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

I have bought my second home today with the help of Somesh. Never once did it feel like he was far away from me. I still remember our late-night conversations where you patiently cleared every single doubt I had. Highly recommend him – a truly trustworthy and genuine person you can always ask for help and share everything with. Thank you, Somesh, for helping me build my property portfolio!

Utkarsh Sharma

Somesh AwasthiSomesh Awasthi

Nicola was kind, polite, professional, smart, articulate, punctual, helpful, easy to contact and very easy to talk to. I would recommend Nicola to anyone looking at getting a home loan as she truly does go above and beyond expectations.

Gavin Thornton

Nicola WintersNicola Winters

Roger was very helpful and always responsive to questions we had about the mortgage process. Coming from Australia there are some slight differences in the process and Roger was able to talk us through everything in a straightforward way making it easy to understand. He provided sound advice and found a solution that we were happy with. I wouldn't hesitate in recommending Roger to someone looking for the first or 3rd mortgage.

Matt Itzstein

Roger FairbairnRoger Fairbairn

Ready to Get Started?

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