Check your borrowing power
We estimate what you may be able to borrow and explain the lender assumptions behind the number.
First home buyer loans with clear guidance.
Buying your first home can feel complex. We help you understand what you can borrow, which lenders may suit your situation, and how to move from planning to approval with confidence.
Start with the numbers, then build the plan.
Before you make offers or attend auctions, it helps to know what a lender is likely to support. We review your income, expenses, deposit, credit position and timeline so you can make decisions with fewer surprises.
Once the numbers are clear, we compare suitable lenders and help you prepare an application that presents your situation properly.
- Understand your realistic purchase range
- Know what deposit and documentation lenders expect
- Compare rates, structures and approval conditions
- Move through pre-approval and settlement with support
How we help first home buyers.
Prepare for pre-approval
We help gather income, deposit and expense documents so lenders can assess your application efficiently.
Compare lender options
Different lenders assess first home buyers differently. We compare options that fit your profile and goals.
From search to settlement.
A good first home loan is not just about getting approved. The structure, repayment type, fixed terms and flexibility all affect how comfortable the loan feels after move-in day.
We explain the trade-offs in plain language and stay involved through the application, approval, loan documents and settlement process.
- Pre-approval before serious property searching
- Rate and repayment comparisons
- Support with lender conditions
- Clear communication through settlement
Frequently Asked Questions
Clear answers to the questions clients most often ask before they speak with us.
How much deposit do first home buyers need?
Many lenders prefer a 20 per cent deposit, but options can exist below that depending on your income, credit profile and the property. We explain what is realistic for your situation.
Should I get pre-approval before looking?
Yes. Pre-approval helps you understand your price range and shows agents you are a serious buyer.
Can you help if I am self-employed?
Yes. Self-employed income is assessed differently, so we help present the right documents and explain the income position clearly.
Compare options across leading New Zealand lenders.
Ready to review your mortgage options?
Tell us what you are trying to achieve and we will help you compare lending options, structure the application, and move forward with clarity.