Buy Your First Home
Jump on the property ladder with expert guidance
In brief
A first-home mortgage adviser helps you understand your deposit, borrowing position, KiwiSaver withdrawal options, lender requirements and pre-approval before you make an offer. Mortgage Lab advisers can compare options from participating lenders, explain the trade-offs and manage the application through to settlement.
Mortgage Lab helps first-home buyers in New Zealand understand borrowing power, deposits, KiwiSaver withdrawals, pre-approval, and lender options before making an offer.
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.
Information sources
Information checked 28 July 2026. Lending and eligibility criteria can change.
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 suitable options from our panel of 27+ participating lenders
Explain the entire process so you feel confident and informed
Handle all the paperwork and negotiations with lenders on your behalf
Frequently Asked Questions
Related Articles
Tips and insights to help you on your journey
Everything You Need to Know About Withdrawing KiwiSaver for Your First Home
Contents Insurance in NZ: Protecting What is Inside Your Home
6 Tips for Bidding at Auction (and How to Prepare Like a Pro)
Mortgage Deposit: Can I Take Out a Loan to Increase It?
How to Get a Mortgage in New Zealand: The 7-Step Process for First Home Buyers
Case Study: When You Are Just Short of 20% Deposit
What Our Clients Say
“Christiana is fantastic and I would never hesitate to recommend her to anyone looking for help with mortgage advice and applications. She has a great knowledge base, is highly efficient and makes the whole process as smooth as possible with clarity and great communication skills. She gives 100% and exceeded my expectations.”
Jodee Nightingale
Christiana Pollock“My husband and I have just sold our Auckland Property and purchased a new one in the Bay Of Islands, we also jointly own a property with our Son back in Orewa. The securities required and the intricacies needing to be sorted with this complex deal was handled by Brett with the utmost of professionalism and compassion (as we were going through Parent's with terminal illness at the same time). We cannot speak highly enough of Brett's constant advice and communication with us, and the valuable relationships he has at the ANZ which assisted us in securing our new property and have the funding available to make other purchases to aid our move North. We will always recommend his services to all our Friends and Family should they require services of an excellent Broker.”
Donna Maree Marsh
Brett Davies“We are very happy to have Susan to refinance our existing mortgage and apply a new loan. We have tried other agents before, but Susan helped us to solve the problem. She showed great patients and understanding, really recommend Susan as finance advisor.”
Keming Lu
Susan WuReady to Get Started?
Talk to one of our friendly mortgage advisers today. Our service is usually at no direct cost to you.