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First Home Buyer Mortgages

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Turn your first home dream into reality

When you’re caught up in the excitement leaping into the property market, the last thing you need is sleepless nights worrying about finance approval and whether you got all the numbers right!

That’s where we come in.

To make sure you’re getting the absolutely best deal, we negotiate terms with the bank on your behalf, and we make sure to keep you informed and involved every step of the way.

Don’t miss out on your dream home, call us today to begin making your dream a reality!

We do not charge you for our services. It is always free for you to chat to us and get any help and advice you need!

Not sure whether now’s the right time?

To be honest, it’s never “too soon” to start preparing by getting into our online system.

You may be ready to buy sooner than you think.

In many cases, it’s a matter of rethinking your strategy to be in line with the bank’s lending policy, and perhaps you qualify for a Home Grant or are eligible to access your Kiwi Saver.

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

Our mortgage brokers can help you…

  • Calculate affordability
  • Find the best bank for you
  • Give you step-by-step guidance
  • Help you get up to 95% LVR
  • Get KiwiBuild pre-approval

Can you get KiwiSaver help?

When you are buying your first home, one of the first things to confirm is whether you have access to KiwiSaver and/or a HomeStart Grant. We have a range of articles spelling out everything you need to know about these options. The use of your KiwiSaver increases your deposit, which can make borrowing significantly easier and cheaper.

Don’t forget: for all questions, you can always contact your local mortgage broker directly. It only takes 2 minutes to call the adviser and you will have an answer immediately.

FAQs

Banks all have different policies and risk tolerances.  This can be frustrating for first home buyers because going to a bank that doesn’t suit them means a lot of wasted time.

But using a mortgage broker means a view over all the banks and all their policies.  It means getting to the right bank faster and with less stress.  Getting a mortgage isn’t complicated, it’s about proving you have enough deposit and enough income and then heading to the right bank with that information.

Some tips to making your mortgage application easier: get your documentation sorted early and keep your spending as low as possible in the 3 months leading up to your application.

Comment on this FAQ

The First Home Grant is a Kainga Ora cash grant designed to help lower-income purchasers buy lower-priced houses.  There is a maximum amount of income that you can earn and a maximum purchase price that you can pay to be eligible for the grant.  Here’s an article that we wrote on the First Home Grant.

You will want to apply for the grant early as it takes time to process.

Comment on this FAQ

You absolutely can!  That’s what it is meant for.  One thing to know is that you will usually need to have saved at least 5% of the purchase price on your own and the First Home Grant doesn’t count towards this goal.

Comment on this FAQ

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We Have Launched An Online Course

“How To Buy Your First Home”

We’ve just released this specifically to help first home buyers.  

What you’ll learn:
  • 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

Why Choose Us?

Because when it comes to your first home, you deserve the very best…

 Stress-free process

We act quickly to reduce the hassle and hold-ups of the financial approval process

 Expert advisers

We’re highly experienced and trained to help you through the mortgage approval process

 Friendly service

We’re here for you and we genuinely care about helping make your dream a reality

What Past Clients Say…

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

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

Samuel Eva

First Home Buyer - Auckland

Robert was a great help and assistance.

Robert Pritchard

First Home Purchase - Wellington

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Want to DIY but need a little more help?

Purchase our book online to become the next successful first home buyer

Our paperback book “The Successful First Home Buyer” walks you through the entire process of preparing to buy your first home.

The goal? By the end of the book, you will present to the bank as the perfect buyer!  Follow the To-dos at the end of each chapter and make the entire home-buying process easy.

Send us a message:

Get in touch with Mortgage Lab. Simply send us a message via the form and we’ll be in touch shortly.