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from the founders of mortgagehq “meet wealthhq, with the focus of helping you into your first home faster”

Get The Lowest Mortgage Rate

Buy now with just 5% deposit under the NZ Government backed 'First Home Owners Loan' Scheme... Do you Qualify?

4.95% p.a.

Fixed 12 months!

Thought you needed 20% Deposit? Think again!

100% Free Service. Independent Mortgage Brokers – Specialising in Low Deposit Loans, Financial Planning & Insurance

Yes, we work with all of the Major Banks!

Low Rates

Gain access to the best possible rates across all lenders

Low Deposit

Borrow up to 95% if you are a first home buyer*

Multiple Banks

Choose the bank that will offer you the best lending terms

Quick Turnaround

Leverage our relationships to make progress fast!

Easy Application

Meet your adviser online, apply through one portal 

Expert Guidance

Our mortgage advisers are with you every step of the way

We are proud of our Google Reviews!

Get Pre-Approved and Ready to Live in Your Own Home Now!

Let’s quickly see if you qualify?

What is the First Home Loan Scheme?​

"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."

Loan limits - NONE!

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

Income limits & Other T's & C's

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:

  • $95,000 for individuals without dependents,
  • $150,000 for individuals with dependents (from 1 June 2022), or
  • $150,000 for joint borrowers (two or more).
  • This type of loan is for owner occupied homes only.
  • This needs to be the only property you own.
  • This type of loan does not offer a revolving credit facility, overdraft or interest only options.
  • 1% FHL Premium Fee Applies.
  • $250 Application Fee Applies.
  • House price caps no longer apply to First Home Loans from 1 June 2022.

Deposit / Genuine Savings

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.

Can you still help outside of the First Home Loan criteria?

Yes. We have helped hundreds of families who didn't qualify with other bank products.