First Home Buyers Guide
If you’re a first home buyer in New Zealand, knowing where to start can feel overwhelming — especially when trying to understand deposits, home loans, and what banks look for.
From understanding your deposit and KiwiSaver options, through to getting pre-approved for a home loan, finding a property, and making an offer, each step plays an important role in the buying process.
This guide walks you through each step of the home buying process in NZ, from getting ready through to buying with confidence.
after our first call.
Thinking Of Buying
Understand your deposit options, borrowing position, and what support may be available before you start house hunting.
✓ Saving a Deposit
✓ KiwiSaver First Home Withdrawal
✓ Whai Rawa & Family Support
✓ Low Deposit Home Loans
Getting Pre-Approved
Get clarity on how much you can borrow and show sellers you’re a serious buyer before you start house hunting.
✓ Understand your borrowing power
✓ The Home Loan Process
✓ Book a Call
Finding A Property
Find the right home and know what to look for before you buy with confidence.
✓ Finding the right home
✓ Building inspections
✓ What to look for
Making An Offer
Understand how to structure your offer, conditions to include, and how to put your best foot forward.
✓ The offer process
✓ Deadline sales & auctions
✓ Conditions & deposits
Due Diligence
Understand what to check before you go unconditional and protect yourself from costly mistakes.
✓ Insurance requirements
✓ Building inspections
✓ Risks to look for
Home Loans
Understand how home loans work, how to structure them, and which options suit you best.
✓ Fixed vs floating
✓ Offset vs revolving credit
✓ Repayments & structure
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