Guiding You Through Your First Home Purchase
We simplify the process, from understanding mortgages to finding your dream home. Let us help you make confident, informed decisions every step of the way.
Whether you're ready to buy now or planning for the future, it's never too early to get the right information and support.
Purchasing your first home is a significant financial decision, and we’re here to simplify the process for you.
How We Can Help You
We provide expert guidance every step of the way to ensure you make informed decisions with confidence:
- Assessing Your Budget & Borrowing Power – We’ll help you determine how much you can afford and review your budget to set realistic goals.
- Navigating the Home Buying Process – From understanding contracts to making an offer, we’ll walk you through every stage of purchasing your first home.
- Connecting You with Trusted Experts – We can introduce you to experienced professionals, including solicitors, property inspectors, and insurance specialists, to support you throughout your journey.
- Access to Over 20 Lenders – With our extensive lender network, we’ll find the most suitable home loan options tailored to your needs.
- Answering All Your Questions – No matter how many questions you have, we’re here to provide clear, honest answers.
Maximizing Your Benefits
As a first-home buyer, you may be eligible for government grants and financial incentives. We’ll help you explore your options and ensure you take full advantage of any entitlements available to you.
Buying your first home doesn’t have to be overwhelming. Get in touch today for a free, no-obligation consultation and take the first step toward homeownership with confidence.
First Home Loan with 5% deposit
Why consider the First Home Loan?
Only 5% deposit required
Ideal for first home buyers or those in a similar financial position
Supported by Kāinga Ora and available through selected lenders
Are you eligible?
To qualify, you must:
Be a New Zealand citizen, permanent resident, or resident visa holder living in NZ
Be a first home buyer (or in a similar financial position)
Have an income from the last 12 months of:
$95,000 or less (single buyer without dependants)
$150,000 or less (single buyer with dependants or joint buyers)
Have a 5% deposit (including savings, KiwiSaver, First Home Grant, or gifted funds)
Be buying a property to live in (not an investment), under 1 hectare in size
Not currently own property (excluding Māori land)
In addition, you’ll need to meet the bank or lender’s standard criteria, such as your ability to repay the loan, credit history, and existing debts.