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

Nicola was handed over our portfolio after the previous advisor, Karen Hyland left. We believe it was a good start by Nicola as she ascertained all the details we had provided to Karen was still relevant and valid . This includes combing thro a lot of previous documentation and asking questions/ clarifying circumstances and looking at our statements/ savings and expenses, before providing us with options on banks to choose from. She was also able to advise on "when" it would be appropriate to trigger the loan instead of attempting to close a loan accommodation successfully. She also helped in understanding the way the loans were setup in different phases of the build. This was useful as we waited until we had put almost all our savings into this house before pulling the trigger on the loan. This helped up by trimming the principal and the interest rates thereof for which we are thankful. Naturally, this cannot be accomplished without clear , honest and transparent communication on both sides. Thank you for your time and effort Nicola. Laveena and Raj

Laveena D'Souza

Nicola WintersNicola Winters

Lynne was amazing helping us get sorted for our first home. As first home buyers we didn’t know a lot about the process and it was quite daunting but she made it so easy and was super quick to answer any questions. She helped remove a lot of the stress from the process! Would definitely recommend using Lynne as your broker :)

Shannon Harrison

Lynne DentLynne Dent

Roger is very good and understanding of us inexperienced non tech savory clients and was a great teacher as I filled in the forms required. I will be recommending his services and MortgageLab to friends and family.

Malcolm Rowell

Roger FairbairnRoger Fairbairn

Ready to Get Started?

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