Buy Your First Home

Jump on the property ladder with expert guidance

Buy Your First Home

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

Almost all of our services are provided at no direct cost to you. We're paid by the lenders when your loan is settled. In some cases, fees may apply (e.g., if you discharge your loan within 27 months), but we'll always discuss these upfront.
Typically, you'll need at least a 20% deposit. However, first home buyers may qualify for the First Home Loan scheme with as little as 5% deposit. Your KiwiSaver savings can also be used toward your deposit. We can help you explore all your options.
Beyond your deposit, expect costs like: valuations ($800-$1,200), legal fees ($800-$1,500), LIM reports ($200-$400), building inspections ($400-$700), and moving costs. We can provide a comprehensive breakdown based on your situation.
Once we have all your documentation, pre-approval typically takes 3-5 working days. Final (unconditional) approval usually takes another 2-5 days after you've made an offer on a property. We work to get approvals as quickly as possible.
Yes! If you've been contributing to KiwiSaver for at least 3 years, you can withdraw most of your savings (minus $1,000) for a first home. We can guide you through the withdrawal process and help you understand how much you can access.

What Our Clients Say

Lynne Dent, thank you so much for helping us to achieve our dream, your guidance really keep us on the right track, your kindness, fast and clear respond really helpful, 100% recommended. Regards. Scarlet and Willian

Scarlet Espinoza

Lynne DentLynne Dent

Impeccable service received from Somesh! Made the whole process very easy to understand. Somesh really went above & beyond to get us into our first home! Thanks Somesh ❤️

Juanita Ah Leong

Somesh AwasthiSomesh Awasthi

Micheal went above and beyond to help us into our first home. He was amazing. Micheal explained everything to us as we went and helped to remind me to send things in. I would recommend him to anyone.

Ready to Get Started?

Talk to one of our friendly mortgage advisers today. Our service is usually at no direct cost to you.