Have questions? Get Answers: 0800 733 462
100% Free Service. Independent Mortgage Brokers – Specialising in Low Deposit Loans, Financial Planning & Insurance
Gain access to the best possible rates across all lenders
Borrow up to 95% if you are a first home buyer*
Choose the bank that will offer you the best lending terms
Leverage our relationships to make progress fast!
Meet your adviser online, apply through one portal
Our mortgage advisers are with you every step of the way
Let’s quickly see if you qualify?
"The First Home Loan is offered by banks, underwritten by Kāinga Ora – Homes and Communities, and, designed for first home buyers who can afford to make regular repayments on a home loan, but have trouble saving for a large deposit."
The maximum amount you can borrow with a First Home Loan no longer depends on the region you are buying in. The maximum loan will now be limited by your deposit Or more likely borrowing power
To be eligible for a First Home Loan You can borrow up to 95% of property value – that means a deposit of only 5%. To be eligible you must have maximum total income of:
There is help available if you are having trouble saving your deposit. Unlike a regular loan your deposit does not have to be genuine savings! Your deposit can be gifted by a relative. You can team up with other borrowers to put together your deposit and purchase a home. You can also use two features offered by KiwiSaver – the KiwiSaver HomeStart grant and KiwiSaver first-home withdrawal.
Yes. We have helped hundreds of families who didn't qualify with other bank products.