Buying your First Home

Simple, not stressful

Need advice about getting a mortgage? Or perhaps your finances are sorted, now you want the very best home loan offer possible. Sam , Anthony & Rob will make buying your first home a simple process; one of the most exciting times of your life, not one of the most stressful! And our service is absolutely free.

We negotiate with lenders for you

Sam, Anthony or Rob will be your one point of contact from your initial discussion, right through to finalising your home loan. We can help no matter where you are in New Zealand - whilst we are based in Christchurch, in most cases we can complete the entire process with you by phone and email. As one of Canterbury’s original mortgage broking specialists, our trusted relationships with a wide range of bank and non/bank lenders, usually means you end up with a better home loan offer than if you approach the lender/s directly. Learn more about Our Process.

KiwiSaver for first home buyers

We can also provide advice regarding KiwiSaver, which provides two ways to help first home buyers - KiwiSaver First Home Grant and KiwiSaver First Home withdrawal. As a previous home owner you may still be eligible for both a KiwiSaver First Home grant and a first-home withdrawal, providing you have not received them for a previous home purchase and meet the eligibility criteria.

KiwiSaver First Home Grant

This replaced the previous ‘KiwiSaver deposit subsidy’ for first home buyers. Various eligibility criteria include that you are a member of a KiwiSaver scheme, complying fund or exempt employer scheme… And you have contributed at least the minimum allowable percentage of your total income to it, for at least three years.

KiwiSaver First-Home Withdrawal

If you’re eligible and if you belong to a complying fund (not all KiwiSaver providers offer First-Home Withdrawal as an option), to buy your first home you may be able to withdraw your KiwiSaver savings - provided you leave a minimum balance of $1,000 in your KiwiSaver account.

Welcome Home Loans for first home buyers

We can also assist with applying for a Welcome Home Loan - an attractive option for first home buyers, as it only requires a 10% deposit. The Welcome Home Loan is offered by lenders, supported by Housing New Zealand, 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. Learn more about Welcome Home Loans.

Keen to get started?

Call or email us – Sam, Rob or Anthony will get in touch to discuss your options.

Mortgage First

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