First home buyers

Your first home, step by step

Buying your first home is a big step. We'll help you understand your deposit options, get pre-approved and guide you all the way to settlement.

Your deposit

Where your deposit can come from

Most first home buyers combine more than one of these. We'll help you work out what applies to you.

After three years in KiwiSaver, you may be able to withdraw most of your balance to buy your first home. We'll explain how and when to apply.

A government-backed scheme through Kāinga Ora that can let eligible buyers purchase with a 5% deposit. Income and price limits apply.

A gift or a family guarantee can help you buy sooner. We'll explain what lenders need and the risks for everyone involved.

Less than 20% deposit? Lenders have fewer low-deposit loans available, but there are often still options. We know which lenders to approach.

The process

Free download

Everything you need to gather before you apply, on one page. Enter your email and we'll send it to you.

Lenders we work with

Book a free chat and we'll work out your deposit, your borrowing power and your next step.