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

Buy Sooner

Than You Ever

Thought Possible

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.

Get the First Home Buyer 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”.

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

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!

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.

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!


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

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

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

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

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.

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…

Lynne was very easy to work with and got my mortgage sorted for me fast. I would highly recommend her.

Lynne Dent

First Home Buyer - S Sathiyanathan, Christchurch

Laura was absolutely amazing and I know how difficult me and my situation where to deal with! Without her I would not have bought my first home! You can’t ask for a better mortgage broker, or person, to be guiding you through it!
Thank you Laura!!!!!

Laura Cates

First Home - Z Starr, Northland

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

Johnny Ang

First Home Buyer

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

Samuel Eva

Purchase of First Home

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

Lynne Dent

First Home Buyer - M Ebsworth, Christchurch

Helpful, knowledgeable.

Johnny Ang

First Home Buyer

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

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


Robyn Turner

First Home - Tauranga

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

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

Very helpful! Couldn’t have done it without her 🙂

Huriana Tahere

First Home - A Axis, Christchurch

Keith was excellent to work with, especially in helping me to navigate through what could have been quite a stressful process as a first home buyer. Not all of it was straightforward, and his additional work was much appreciated.

Keith Munro

First Home - Wellington

Lynne is the best! She helped us a lot. Always answer our questions. Thank You Lynne

Lynne Dent

First Home Buyer - S Petrova, Christchurch

We had the most awesome experience, we had been trying to buy a house for the entire 2020 and used a number of mortgage brokers but each asked more and more from us. They wanted us to cancel our KiwiSaver deposits and cancel this and that. We were about to give up when a friend told us about Lynne and w…

Lynne Dent

First Home Buyer - E Hilder, Timaru

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

Johnny helped me with every step of my first home purchase. He’s very responsive and helpful. He patiently assisted me through the entire process. I found Johnny to be extremely knowledgeable and was very prompt on communication with the many queries I sent to him. Definitely saved me a lot of str…

Johnny Ang

First Home - M Angelica, Auckland

Brett was a real pleasure to work with. Being first home buyers in New Zealand, Brett guided us through every step along the journey. Always available and very responsive, we couldn’t be happier.

Brett Davies

First Home - G Ferreira, Auckland

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

Brett was wonderful and professional patient! Nothing to improve.

Brett Davies

First Home - P Yin, 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

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

Lynne was recommended to me by a previous customer and for good reason, she was AMAZING and made the whole process of buying our first home so much easier! She went above and beyond! Would totally be recommending! Thanks Lynne!!

Lynne Dent

First Home - S Calder, Christchurch

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 g…

Lynne Dent

First Home Buyer - T Theyers, Christchurch

Brett was awesome! Very thorough with his explanations, always available and going the extra mile. Loved dealing with him and he made the process very easy for someone who had never had the experience of buying property in NZ.

Brett Davies

First Home - P Costa Auckland

Rachel was a pleasure to deal with in navigating our way through purchasing our first home. She’s friendly, professional and applied a common sense approach to make sure we got the best mortgage which suited our needs! Thank you

Rachel Railey

First Home - J Mangan, Thames

I can’t speak highly enough of Rachel – she was was incredible!! From the very first time we contacted her she gave us a sense of being 100% invested in our home-ownership journey with us. Rachel, from the bottom of our hearts thank you so much for your skills, knowledge, optimism and passion!

Rachel Railey

First Home - Z Parton, Waikato

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

Robyn from mortgage lab is knowledgeable and helpful. She has been a a great support in getting us what we need for our family.

Robyn Turner

First Home - Tauranga

Samuel has been awesome to deal with & we’ll certainly be recommending him in the future.

Samuel Eva

First Home Buyer - Auckland

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

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

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

Lynne was fantastic to work with and we are so glad we went with her as our advisor. The whole process was easier than I expected thanks to Lynne’s help. We would definitely recommend her to our friends and family.

Lynne Dent

First Home Buyer - S Swift, Christchurch

Rachel was the best friend we didn’t know we needed. She is warm, understanding, knowledgeable and will fight for you. You NEED Rachel on your team.

Rachel Railey

First Home -T Bryant, Waikato

We went through Robyn Turner from a recommendation, it was the best decision we could have made. She was lovely from the start and really went that extra mile for us. We had a deadline going into it and while some of this adventure was luck, we owe so much of the success to Robyn. There were times we we…

Robyn Turner

First Home - Bay of Plenty

Robyn was so helpful, kept us well informed of the process, and made everything so simple and straightforward. It was a dream, and we’re so pleased with the whole process.

Robyn Turner

First Home - Tauranga

Robyn goes above and beyond at every turn, she is prompt and efficient and has never left us feeling like we don’t know what is going on, I would recommend her in a heart beat to anyone looking for a broker.

Robyn Turner

First Home - Tauranga

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

Robyn is phenomenal. There wasn’t a moment I didn’t feel that she wasn’t invested in my journey. She took her time to explain the nuances of the property market and gave great advice. She gave space for autonomy and supported me through a really emotionally intense season! I would reco…

Robyn Turner

First Home - Tauranga

I loved working with Robyn. She was so helpful, answered all my questions in an easy to understand way. And helped me every step of the way.
I felt like I would’ve been lost without her through the whole process. I can’t recommend her highly enough! Thanks Robyn!

Robyn Turner

First Home - Z Franich, Tauranga

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