First Home Buyer? We've got you.

Buying your first home can be overwhelming—you don’t know what you don’t know! We’ve helped many Kiwis secure lending, whether you're buying in Auckland, Wellington, or anywhere else. Let’s make it easier for you! 🏡✨

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We get it.

Buying your first home is exciting but overwhelming. We are experts in helping Kiwi First Home buyers, from all over New Zealand, navigate through this. Our expert mortgage advisers will guide you every step of the way! 🏡✨

Auckland First Home

Ready to own your first home?

Leave us with your details via our secure online portal (link below). One of our team will be in touch with you.

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Auckland First Home

Here's how we help our first home buyers.

Free Chat

In this free chat, we discuss your homeownership goals, get to know you and answer any questions you may have.

Financial Assessment

We assess your situation to see how much you can afford and the type of lending you can get from lenders.

Mortgage Pre-approval

We work with our lending partners to secure a pre-approval for you, giving you a clear budget and making your home search more efficient.

Home Search

With a pre-approval in hand, you can confidently start your house shopping!

Mortgage Structure

Once you've found your home, we negotiate with lenders on your behalf to secure the best mortgage terms. We will advise you on mortgage structure that best suits your own situation.

Settlement

We ensure you a smooth settlement process, so you can move into your new home with ease and become a proud homeowner.

Purchasing your home is a significant move!

We make your first home journey smooth and stress-free. Our expert mortgage brokers are here to help—let’s get you home! 🏡✨

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Auckland First Home

First Home Buyers FAQs

How much deposit do I need to buy my first home?

Banks typically prefer a 20% deposit. However, there are government schemes and exemptions to rules that only require 5% - 10% deposit. This includes First Home Loan and First Home Partner grants offered by Kainga Ora.

Can I use my KiwiSaver to buy my first home?

If you have been a KiwiSaver member for three years – you might be eligible to use your KiwiSaver savings to contribute towards your first home's deposit, providing a valuable boost to your deposit. However at least $1,000 must remain in your KiwiSaver account.

You can check full eligibility here.

To apply - You will need to contact your KiwiSaver provider for approval. Once approved, you should get a confirmation letter which states how much you can withdraw for your first home.

What is the First Home Grant?

If you’ve been contributing to your KiwiSaver for at least three years, you may be eligible for a First Home Grant. How much you receive depends on things like your income and the type of home you want to buy.

For existing homes, the First home Grant can provide $1,000 per year that you’ve been in KiwiSaver - up to a maximum $5,000 (five-years) per person. Therefore, if you are a couple and you both qualify for the grant, you could receive up to $10,000 towards your first home.

For newbuild homes, the first home grant can provide $2,000 per year that you’ve been in KiwiSaver - up to a maximum of $10,000 (five-years) per person. Therefore, if you are a couple and you both qualify for the grant, you could receive up to $20,000 towards your first home.