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Buying a home

First-home buyers

Buying your first home is a life-changing decision. We take the stress out of the process.

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Arranging mortgage finance can be complicated.

It’s not surprising that many first home buyers aren’t sure where to start!

At NZ Mortgages, we can help you through your first home buying process, from planning a budget and getting your finances in order to making an offer, doing due diligence, and ensuring you get the very best deal from your lender.

first time home buying process

It’s all about making your first home purchase easy and enjoyable.

We provide wraparound support throughout the process, and can connect you with other industry professionals as needed.

Get in touch today, check out our handy online resources or calculate your first home loan with ease using our online home loan calculator.

Mortgage brokers in Christchurch

The latest interest rates right at your fingertips.

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First Home buyers

Our top tips to learn before you begin the first home buyers process.

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Our award winning team

Expert mortgage advisers
We’ll hunt the market to find you the best deal, and provide all the advice you need to enjoy and understand the process.
first time home buyer
Our highly experienced mortgage brokers are dedicated to helping Kiwis buy their dream home or property

Frequently asked questions

What is the First Home Loan Deposit Scheme?
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The First Home Loan Deposit Scheme allows eligible first home buyers to purchase a property with a deposit as low as 5%, with the government guaranteeing the remaining deposit.

How much deposit do I need as a first home buyer?
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The deposit requirement varies, but it typically ranges from 5% to 20% of the property's purchase price. Some first home buyer schemes may require a lower deposit.

What are the benefits of being a first home buyer?
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First home buyers may qualify for government grants, lower interest rates, and reduced deposit requirements, making homeownership more accessible.

What steps should I take to prepare for buying my first home?
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To prepare for buying your first home, you should start by saving for a deposit, understanding your borrowing capacity, researching properties and locations, getting pre-approved for a home loan, and seeking advice from mortgage experts.

How can NZ Mortgages help me as a first home buyer?
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We offer expert advice, personalised mortgage solutions, assistance with government schemes, and guidance throughout the entire home buying process, making homeownership more achievable.

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We'd love to help you

If it's time to start your first home buying journey, we'd love to walk alongside you.
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