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Getting a mortgage for your first home: everything you need to know

Thought Possible

Than You Ever

Buy Sooner

There’s a lot to know when buying your first home

When you’re caught up in the excitement of buying a home, the last thing you need is sleepless nights worrying about mortgage approval and whether you got all the numbers right!

We created the First Home Buyer course to give you all the information you need to get into your first home.

Celebrate 2021!

Click the buttons below and receive a 21% discount.

Option 1 – Just the course

You get access to all the amazing content on our course for one price.

Option 2 – Course + the book

Not only do you get access to the course, I’ll courier you the latest version of my book “The Successful First Home Buyer”.

Be Prepared – Buy Sooner

We’ve put together all the key information you need to know to get approved for your first mortgage.

Some of the things you’ll learn in this course are:

  • what counts as a deposit (and what doesn’t!)
  • what to do if you don’t have a 20% deposit
  • proving your salary whether you’re self-employed or an employee
  • how to increase your assessable income
  • how to handle your KiwiSaver pre-purchase
  • exactly how much Credit Cards affect your income
  • all about apartments, existing homes and newly constructed homes
  • how much mortgage to ask for

And much, much more!

Celebrate 2021!

Click the buttons below and receive a 21% discount.

Not sure whether now’s the right time?

Imagine being able to buy a house years ahead of when you expected to be able to.  If houses continue to grow at their current rate, you could save over $100,000 on the purchase price by buying 2-3 years earlier.

You may be ready to buy sooner than you think.

Now is always the best time to get all your ducks in a row.

About Me

Hi, my name is Rupert Gough and I’m the founder and CEO of The Mortgage Lab, regular contributor to OneRoof and the author of “The Successful First Home Buyer”.  I live in Tauranga with my wife and daughter.

Over the year, I’ve worked with hundreds of first home buyers to get them into their first home.  The journey from application to purchase is amazing and something I truly love.

I created this course with the hope to educate an even greater number of first home buyers, like yourself.  To have them ready to apply for a mortgage and into their first home sooner than they ever felt possible.

Celebrate 2021!

Click the buttons below and receive a 21% discount.

What’s in the course?

Our specifically designed online course to help first home buyers.  

The chapters in the course are:
  • Mortgage fundamentals
  • How your income affects your mortgage
  • How much deposit you’ll need
  • How to get more deposit if you don’t have enough
  • What to do once you’ve got your approval

Each chapter has tons of quick, easy to digest videos on different topics.  No need to sit for 20 or 30 minutes at a time.  Watch the course during micro-breaks!

Celebrate 2021!

Click the buttons below and receive a 21% discount.

FAQs

Here are some of the most frequently asked questions from first home buyers

We will refund your money if you are unhappy with the course content and let us know within 7 days of your purchase.

Comment on this FAQ

Yes!  The course can be viewed in any browser including on your phone.

Comment on this FAQ

No, the course is viewed entirely through your browser.  No special software or plug-ins should be needed.

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There are over 30 videos, most ranging between 2-5 minutes each.  We’ve broken them down so the information isn’t too overwhelming.  You can listen to them like you would a short podcast.

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Not quite ready to go?

Sometimes you’re just not in a position to purchase the course yet.  That’s ok!  Below is a list of most recent podcasts and our latest video from our YouTube channel for you to listen to and begin your journey there!

What Past Clients Say…

From our very first meeting, Karen was friendly, professional, helpful, informative and very, very knowledgeable. We asked many questions which I’d imagine are rather simple and repetitive to an advisor but Karen happily responded with helpful information, provided links to further information, helped…

Karen Hyland

First Home - S Greco, Auckland

I am a middle-aged single female buying a first property in Christchurch post-COVID lock-down; the most difficult market to not only get finance but actually get a property to put an offer on! My excitement quickly turned to agitation, anxiety and straight out confusion.

Lynne was ready, willing and able to get my finance sorted however s…

Lynne Dent

First Home Buyer - T Theyers, Christchurch

Robyn was fantastic! Always available and really responsive. She helped us understand all of our options and was always there to answer all our questions big or small. I would recommend Robyn to anyone and will use her for our future mortgage needs.

Robyn Turner

First Home Buyer - C Beech, Waikato

Lynne is great, she showed me how to manage my finances more effectively and how this affected my application with the bank and went above and beyond to get my loan through for me!

Lynne Dent

First Home Buyer - J Keegan, Christchurch

Amazing every step of the way, no question was too hard and kept us up to date with how everything was going.

Rachel Railey

First Home Buyer - L Fisher, Waikato

Kyn is an excellent mortgage broker, he made my first home purchase a breeze. Despite the strict lending criteria (LVR etc.) on low square metre Auckland CBD apartments, Kyn worked really hard to find a finance solution that would work. Would recommend him as a broker and adviser to all. Cheers Kyn.

Kyn Jackson

First Home Buyer - S Sinton, Auckland

Brett was amazing, he really looked after us and made every effort to get us our home loan. I would recommend him any day.

Brett Davies

First Home Buyer - S Vatble, Auckland

Lynne was very helpful, positive, and worked hard to get the best deal for us. She made it possible for us to be able to buy a house much sooner than we expected. She respected our wishes, explained things well, and adapted to the changes necessary with lockdown very well. She always conducted herself p…

Lynne Dent

First Home Buyer - B Dickinson, Invercargill

Lynne was excellent to deal with, very friendly and very knowledgeable. I would recommend her service.

Lynne Dent

First Home Buyer - M Ebsworth, Christchurch

Lynne, was fantastic from start to finish. She took the stress out of buying a house and even helped us look for a house which we now proudly own. Thank you!

Lynne Dent

First Home Buyer - H Patel, Christchurch

Keith is absolutely incredible to work with and we could not be happier with the outcomes he’s provided for us. If you are looking for an Adviser who always gets back to you promptly, explains everything clearly and gets you the best deal possible, Keith is the who you are looking for.

Keith Munro

First Home Buyer - S Fourt, Wellington

Laura was so amazing and understanding. Really helpful especially as all the work was done during level 4 lock down. I can’t recommend the service and experience highly enough.

Laura Cates

New Purchase

Lynne did a brilliant job organising us into our first/down sizing home. We didn’t think we had things quite in place but non the less when a place popped up we were really interested in she was able to work her magic and we have now been in our own home for a couple of months.She was so knowledge…

Lynne Dent

Purchase of New Home

Johnny was exceptional throughout the process. I will definitely recommend his services.

Johnny Ang

First Home Buyer

Ruan was amazing to work with, he invested in our aspirations and developed strategies to get the best outcomes. How we are first home owners, couldn’t ask for anything more!
Thank you Ruan.

Ruan Chryssafis

First Home Buyer Through Construction

Helpful, knowledgeable.

Johnny Ang

First Home Buyer

Robyn was incredible and so encouraging. I would never have thought I could buy a place in my dream location, but with her help I did. She was a wealth of knowledge and always happy to answer my (many!) questions.

Robyn Turner

First Home

Two thumbs up for Johnny, his excellent service and hard work. I would 100% recommend Johnny to my friends and family without doubt.

Johnny Ang

First Home Buyers - Auckland

Very professional, I was very happy with the overall experience and manner that Samuel presented to me.

Samuel Eva

Purchase of First Home

Samuel was so knowledgeable and made the whole process so easy. I would definitely recommend him to anyone looking to buy a house!

Samuel Eva

Purchase of First Home