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
15 Smart Ways to Increase Your Home's Value and Unlock Equity for Investment
How Long Does It Take to Build a House in NZ?
Is It Worth Getting a Flatmate to Help Pay My Mortgage?
Better Budget: Draught Proofing
Contents Insurance in NZ: Protecting What is Inside Your Home
How Does a Prenup Affect Your Application for a Mortgage?
What Our Clients Say
“I had a fantastic experience working with Christiana as my mortgage broker. From start to finish, she was incredibly responsive, always quick to answer questions and explain everything clearly. Her knowledge and expertise gave me so much confidence throughout the process. What really stood out to me was how personable and friendly she is. Christiana made what can often be a stressful process feel smooth and manageable. I always felt like I was in great hands, and she went above and beyond to make sure I understood every step. I highly recommend Christiana to anyone looking for a mortgage broker who is not only informed and professional but also a genuine pleasure to work with.”
Rosie J
Christiana Pollock“Somesh has been helping us for many months now, we cannot recommend anyone better. He is quick to email, call and txt, communication is key and he is AMAZING at it. Somesh explains everything in detail and offers the best advice. He is very on board and has great knowledge. we started of him as a broker but he is our lifetime friend now.”
Amrit
Somesh Awasthi“We had an incredible experience working with Roger on our journey to securing our first home. From our first meeting he instantly made us feel at ease. His expertise and knowledge in the mortgage industry were truly impressive. He patiently guided us through the entire process, explaining every step and answering all our questions with a genuine enthusiasm. His dedication and commitment to finding us the best possible mortgage option was unwavering. Thanks to his tireless efforts, we now have the keys to our dream home. We couldn't be happier with his outstanding service and highly recommend him to anyone in need of a mortgage broker. Thank you!”
Becs Reilly
Roger FairbairnReady to Get Started?
Talk to one of our friendly mortgage advisers today. Our service is usually at no direct cost to you.