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First Home Buyers

Your First Home, Made Simple

Your First Home, Made Simple

Buying your first home is exciting, but let’s be real, it can also feel overwhelming. From deposits to lenders to confusing jargon, there’s a lot to take in. That’s where we come in. We’ll break it all down, find the right mortgage for you, and guide you through the entire process so you can focus on the fun part, getting the keys to your new home.

How It Works

Getting into your first home doesn’t have to be a guessing game. Here’s how we make it easy:

STEP 1

Getting You
Loan-Ready

We’ll look at your finances, explain how much deposit you need, and walk you through your loan options. If you’re eligible for KiwiSaver withdrawals or the First Home Grant, we’ll help you make the most of them.

STEP 2

Finding the Right Mortgage

Not all home loans are created equal. We compare lenders, rates, and loan structures to find an option that actually works for you, not just the bank.

STEP 3

Getting
Pre-Approved

A pre-approval gives you a clear budget and shows sellers you’re serious. We’ll handle the application process so you can house-hunt with confidence.

STEP 4

Sealing
the Deal

Once you’ve found the one, we’ll guide you through the final steps, liaising with lenders and making sure everything goes smoothly until settlement day.

Why Work With Us?

Getting a mortgage isn’t just about finding a lender, it’s about finding the right lender. Here’s why working with us makes a difference:
We compare multiple lenders, not just one bank, to get you the best loan for your situation.
We handle the applications, negotiations, and fine print so you don’t have to.
From pre-approval to settlement, we’re in your corner every step of the way.
We help you unlock all the financial support you’re eligible for so you can maximise your buying power.

What Is the First Home Buyer Process?

Buying your first home involves more than just saving for a deposit. You need to understand your borrowing power, compare loan options, and take advantage of any financial support available. That’s where we come in. We simplify the process, make sure you get the best mortgage deal, and help you navigate everything from KiwiSaver withdrawals to lender negotiations.

Frequently Asked Questions

It depends on the lender, but many require at least 10% of the property price. Some options allow as little as 5%, and we can help you explore what’s available.
Yes, if you’ve been in KiwiSaver for at least three years, you may be able to withdraw most of your balance to put towards your first home.
Pre-approval gives you a clear idea of how much you can borrow and makes you a stronger buyer when negotiating with sellers.
It depends on your financial goals. Fixed rates offer stability, while floating rates give you flexibility. We’ll help you decide what works best for you.

Contact Info

  • 134 Cashmere Rd, Cashmere, Christchurch, 8025
  • Phone: 022 562 3750
  • Open Hours:
  • Monday to Friday 8am - 6pm
  • Saturday 10am - 4pm

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