First Home Buyers
We're by your side, every step of the way! Whether you're just starting to dream of homeownership or ready to pop the bubbly and celebrate with a moving truck, key in hand. We will arm you with all the inside knowledge of the buying process from how to make an offer on a property, to getting you the best deal from the bank with a home loan structure that is right for you…

Let us handle the financial nitty-gritty while you focus on finding your perfect property! We make it easy for you so you can spend more time finding the right property. We can quickly work out and let you know, how much you can comfortably afford to borrow. We help you with the buying process, going over documents and helping you through your purchase conditions.
Fast approvals thanks to industry links
Full scope of the market for the best rates possible
Family oriented that speaks like a human, not a salesman
Clear, concise communication with on-going updates
Guiding you through the next steps
This is what you can expect when you partner with us.
1.
Connect with us

We’d love to hear about your homeownership dreams and how we can help you make them a reality.

2.
Let’s get started

Been dreaming of buying your first home? We’ve high-fived tons of first-time buyers just like you! We’ve got years of experience and all the tools you need to feel confident about this exciting step. No paperwork worries – we’ll be right there with you, making sure you have everything for a successful application.

3.
Financal Approval

Getting pre-approved finance early is a smart move! It helps you understand your budget up-front and lets sellers know you’re a buyer who’s ready to act when you find the right home.

4.
The Buying Process

We are here to support you at every stage of the property search process. We can provide property reports and local expertise, guide you through the process of making an offer, and assist you with your purchase conditions. We will explain how to make an offer on a property and work with you through your purchase conditions.

 

5.
The Settlement Process

The settlement process usually takes a few weeks from the time the sale becomes unconditional to the settlement day (move-in day) to allow for the withdrawal of your KiwiSaver funds. During this time, we will work with you to structure your home loans and talk you through your banking needs.  You will then sign the loan documents with your solicitor. On settlement day, the purchase will be finalised, officially transferring the property into your name.

6.
Ongoing relationship

We’re here to build lasting relationships and support you throughout your entire borrowing journey. Whether you just need to chat things through, refix your existing loan, discuss new borrowing options or explore an exciting new opportunity, we can help.

Have some questions?
Here’s some answered.

This loan is tailored for first-time homebuyers like you. Participating banks have partnered with Kainga Ora to help make your dream of homeownership come true. You will need a minimum 5% deposit, which can be from savings or KiwiSaver, and must meet the qualifying criteria as a first home buyer as well as the loan requirements.

We understand that this is a big question. That's why we take the time to work through it with you. We'll consider your income, deposit size, and future expenses to give you a clear picture of what's affordable.

Most banks prefer 20% of the purchase price. However, there are other options for low-deposit lending , as little as a 5% deposit and we can talk you through the eligibility requirements.

The short answer in most cases is yes! Most banks like to see a history of your last 12 months' earnings when you are starting out. Each business is different, and we can talk through your options with you.

Absolutely! If you've been contributing for over 3 years, you might be able to use your KiwiSaver funds as a deposit. It's important to talk to your KiwiSaver provider early on to understand what you can access.
Our Promise
Guiding Your Journey

We are here to guide you through your entire homeownership journey, from preparing you to buy your first home, to owning your dream home and achieving financial independence. This involves building relationships, understanding what matters most to you, staying in touch, and offering top-notch advice.

Empowerment Through Knowledge

Knowing your numbers is crucial. We will provide you with the tools and information you need to make sound decisions. This involves access to helpful articles, industry updates, workshops, and regular check-ins to keep you on track and feeling confident about your finances.

Clarity, Not Confusion

We believe in clear communication and easy-to-understand explanations. This includes breaking down details into simple terms, providing regular updates, and offering a dedicated point of contact for all your questions.

An Individual Approach

Everyone’s financial situation is different. That’s why we will take the time to understand your unique needs and goals. We will then tailor your lending that’s perfect for you. This includes getting to know your financial situation and discussing your future plans to find the best loan terms for you.

Our recognised network

AND MORE

Investing in your
future well

Connect with us so that we can connect with you.