Buy Your First Home

Jump on the property ladder with expert guidance

Buy Your First Home

Buying your first home is one of the most exciting – and sometimes overwhelming – experiences you'll have. There's so much to learn: deposits, pre-approvals, LVRs, fixed vs floating rates, and more.

That's where we come in. Our mortgage advisers specialise in helping first home buyers navigate the process from start to finish. We'll help you understand what you can afford, which lenders are right for your situation, and guide you through every step.

We manage the finance process for you while keeping you informed and involved every step of the way. And the best part? Our service is usually at no direct cost to you.

How We Can Help

Calculate how much you can borrow and what properties are in your price range

Help you access your KiwiSaver for your first home deposit

Guide you through the First Home Loan scheme for deposits as low as 5%

Compare options from 27+ lenders to find the best rates and terms

Explain the entire process so you feel confident and informed

Handle all the paperwork and negotiations with lenders on your behalf

Frequently Asked Questions

Almost all of our services are provided at no direct cost to you. We're paid by the lenders when your loan is settled. In some cases, fees may apply (e.g., if you discharge your loan within 27 months), but we'll always discuss these upfront.
Typically, you'll need at least a 20% deposit. However, first home buyers may qualify for the First Home Loan scheme with as little as 5% deposit. Your KiwiSaver savings can also be used toward your deposit. We can help you explore all your options.
Beyond your deposit, expect costs like: valuations ($800-$1,200), legal fees ($800-$1,500), LIM reports ($200-$400), building inspections ($400-$700), and moving costs. We can provide a comprehensive breakdown based on your situation.
Once we have all your documentation, pre-approval typically takes 3-5 working days. Final (unconditional) approval usually takes another 2-5 days after you've made an offer on a property. We work to get approvals as quickly as possible.
Yes! If you've been contributing to KiwiSaver for at least 3 years, you can withdraw most of your savings (minus $1,000) for a first home. We can guide you through the withdrawal process and help you understand how much you can access.

What Our Clients Say

Cindy is such a brilliant broker who is referred by my best friend. In the first face to face meeting with Cindy, I told her about my financial situation and what kind of house I want to buy, Cindy made a full analysis and provided me some suggestions. I was so impressed with the way Cindy handled the meeting. I liked the way that Cindy presented all the relevant facts to me. Her analytical skills have been invaluable in making my project a success. When I asked questions or needed any kind of help, Cindy was very happy to offer assistance. She never said no to taking additional responsibilities and I liked that about her. Her problem-solving skills were so incredible. Thank you for taking out her precious time in solving my problems and explaining everything in details to me. I admired the way she solved problems encountered. Cindy worked so hard on my project. I enjoyed working with her because of the unique skill set and perspective she brought to the project. Thank you for her efforts and smiling face. Her positive attitude was contagious. I was so grateful that Cindy not only helped me achieve what I want, but I also learned a lot from Cindy. Really appreciated!

Wenjin LIN

Cindy HuangCindy Huang

Thank you so much Ate Jocie for your guidance and support throughout the mortgage process. Your expertise, patience, and clear communication made everything so much easier to understand and manage. I truly appreciate all the time and effort you put into helping me secure our new home. I couldn’t have done it without you—thank you again for everything you have done. I will forever grateful ❤️

Avie Gallardo

Jocelynnda CoronadoJocelynnda Coronado

Laura was always available to discuss all questions I had. She made the information easy to understand. She connected us to the supporting agencies we needed to get our mortgage finalized and secured.

Maylene Erihe

Laura CatesLaura Cates

Ready to Get Started?

Talk to one of our friendly mortgage advisers today. Our service is usually at no direct cost to you.