First Home Loans in New Zealand
Looking for your first home loan in NZ? We provide tailored advice, fast pre-approvals, and clear guidance to help first home buyers get the right mortgage with confidence.
Your First Home Journey Starts Here
Buying your first home is a major milestone, but navigating lenders, deposits, LVR rules, and loan types can feel overwhelming. Our experienced mortgage advisors simplify the entire process, helping you secure competitive rates and strong lending approvals.Why first home buyers choose us
- Clear, simplified mortgage advice
- Lower-deposit pathways (where eligible)
- Borrowing power calculation
- Full support from pre-approval to settlement
- Access to major banks & non-bank lenders
- Fast & transparent communication
Who Is Considered a First Home Buyer in NZ?
You’re generally considered a first home buyer if:
- You have never owned property in New Zealand, or
- You previously owned property but qualify again under certain circumstances.
- You now want to upgrade your owner-occupied property (e.g. from small to bigger or better school zone, etc.)
First Home Loan Options We Offer
Explore loan structures designed especially for New Zealand first home buyers.
Low-Deposit Home Loans
If you don’t have a full 20% deposit, we guide you through banks and lenders that may allow 10% deposit loans, 5% deposit (limited & criteria-based) and special first home buyer programs
Standard Home Loans
Ideal for first home buyers with a 20% deposit looking for competitive rates, stable repayments, and flexible loan terms.
Fixed & Floating Rate Loans
We help you choose the right structure based on affordability, stability, and long-term planning.
Split Home Loans
Combine fixed and floating for a balanced, flexible mortgage strategy.
What You Need to Apply Your First Home Loan (Eligibility)
Before securing a first home loan, lenders typically assess:
Deposit Contribution
Your savings, KiwiSaver, gifted funds, or other acceptable forms of deposit.
Income & Employment
Stable income helps determine your borrowing power. We calculate this for you.
Credit Score & Liabilities
We review your credit profile and help resolve issues prior to application.
Expenses & Debt-To-Income Ratio
Banks check affordability — we help you prepare strong supporting documents.
How We Help First Home Buyers (Step-by-Step)
Simple, Transparent & Effective Loan Process
Apply Now
Free First Home Consultation
Understand your deposit, borrowing power, and loan options.
Compare Lenders & Ratesare Lending Options
We review major NZ banks and non-bank lenders to find your best fit.
Get Pre-Approved
We prepare your application and work directly with lenders to secure fast approval.
Purchase & Settlement
We guide you through unconditional approval and settlement so you can move into your first home with confidence.
How do I get a first home loan in NZ? → Get a free consultation, assess borrowing power, compare lenders, apply for pre-approval, then purchase your property.
Benefits for First Home Buyers
✓ Access to competitive interest rates
✓ Personal mortgage advisor throughout the journey
✓ Help using KiwiSaver contributions
✓ Support understanding LVR (Loan-to-Value Ratio) rules
✓ Guidance on choosing fixed vs floating rates
✓ Support understanding LVR (Loan-to-Value Ratio) rules
✓ Faster communication with lenders
✓ Stress-free lending experience
Our Other Loan & Mortgage Services
First Home Buyer Loans
Support for first-time buyers navigating deposits, approvals, and competitive home loan options.
Commercial Investment Property Loans
Specialised lending for offices, retail, industrial, and mixed-use investment properties.
Investment Property Loans
Flexible mortgage solutions designed for both residential and commercial property investors.
Refix Mortgage Services
Expert guidance to secure competitive rates when your fixed term ends.
Mortgage Refinance Services
Restructure or switch lenders to reduce interest costs or consolidate debt.
Mortgage Restructure
Optimise your current mortgage setup to better suit changing financial circumstances.
Home Renovation Loans
Funding solutions for upgrades, extensions, and home improvements using smart lending strategies.
Equity Release Services
Unlock the value in your property to invest, renovate, or consolidate debt.
Residential Investment Property Loans
Tailored finance solutions for building and growing residential property investment portfolios.
First Home Buyer FAQs
Most lenders prefer 20%, but many banks offer low-deposit options (10% or less) based on eligibility.
Yes — we guide you on KiwiSaver withdrawal rules and how much you can use.
Borrowing capacity depends on income, expenses, and credit. We calculate this during your first consultation.
Income proof, bank statements, IDs, KiwiSaver confirmation, and liabilities summary.
Pre-approval usually takes 1–5 working days depending on lender response and documentation.
Ready to Buy Your First Home in NZ?
Start your journey with expert guidance and personalised lending support tailored for Kiwi first home buyers.
