Buying your first home can feel like trying to climb Mt Ruapehu on rollerblades. For most of us, it’s a real financial struggle and then all the banks have different lending rules, interest rates, minimum deposits and pre-approval requirements. We’ve been doing this for ages, so we know all the ins and outs, and how to get you into your first home.

We’ll guide you through everything—from how much deposit you really need, to using your KiwiSaver and a first home buyer grant (if you’re eligible), to understanding what’s actually affordable long-term. We also explain how things like low equity margins and fixed vs floating rates work, in a way that makes sense.

You’ll know what to expect at every step. We’ll help with pre-approval, work through your loan options, and support you all the way to settlement. Whether you're buying a unit, townhouse, or your first family home, we’ll help you get the keys without the guesswork.

As a starting point, if you want to find out how much you can borrow and what your repayments would be, try our free mortgage calculator.