Thinking of Buying Your First Home?
Buying your first home is an exciting step, but if you’re thinking of buying your first home in NZ, it can also feel overwhelming if you’re not sure where to start.
Before you begin house hunting, it’s important to understand your budget, deposit options like KiwiSaver, and what lenders will look at.
Getting clear on this early puts you in a stronger position, helps you avoid common mistakes, and makes the whole process much smoother.
after our first call.
Explore Your Options
KiwiSaver
If you’ve been contributing to KiwiSaver for at least three years, you may be able to use it towards your first home deposit.
Understand how much you can withdraw, eligibility rules, and how the process works.
Saving a Deposit
Saving for a home deposit is often the biggest hurdle for first-time buyers.
With the right strategies and mindset, you can overcome this challenge and move closer to owning your dream home.
Second Chance KiwiSaver
Owned Property in the past?
Second Chance KiwiSaver Withdrawal allows eligible previous homeowners to use their KiwiSaver savings to buy a home
What you need to know first
Spending Habits
Many buyers worry that their everyday spending habits might affect their chances of getting a mortgage.
2026 Market Trends
The market has shifted over the past few years, and in 2026 we’re seeing something quite unique
✓ Prices Below Peak
✓ Renting Vs Buying
✓ My Advice Now
First Home Grant
The First Home Buyers Grant helped many New Zealanders take their first step onto the property ladder.
As of May 2024, this scheme is no longer available.
What Happens Next
Get 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
Find 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
Make 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
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