Buy Your First Home
Jump on the property ladder with expert guidance
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.
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
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Tips and insights to help you on your journey
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KiwiSaver Contribution Rates: 3.5%, 4%, 6%, 8% or 10%?
What Our Clients Say
“Cindy was with us every step of the way. She would always pick up the phone and gave us great advice and had great insight. She even was on the phone with us on auction night. Would recommend!!”
Tim Kuiper
Cindy Huang“I can't say enough great things about Lynne and how she helped me navigate the first home buying experience! From sorting out my finances to pre-approval, to going conditional and finally settling on my home. Lynne was professional, knowledgeable and kind to me throughout. No question was too silly, she was available at all times of the day and night also weekends, nothing seemed like it was too much trouble! From a very nervous first home buyer to a confident home owner, I couldn't have done it without Lynne... she made my dream come true and I can't thank her enough!”
Natalie Miernicki
Lynne Dent“Nicola made purchasing my first home easy and not at all scary. Right from our first interaction she was pleasant, friendly but also very efficient. She was confident right from the start I would be approved and provided useful tips along the journey. We were in constant contact with Nicola updating me every step of the way. She explained everything well and was a pleasure to work with.”
Sedejah Scanlon
Nicola WintersReady to Get Started?
Talk to one of our friendly mortgage advisers today. Our service is usually at no direct cost to you.