From impossible dream to achievable reality.
The first home loan specialist
Kiwis turn to for straight answers.
Getting your first home used to be straightforward.
Save a deposit, get pre-approved, buy a home.
Now?
Pre-approvals get pulled mid-process.
Lending criteria change monthly.
You’re asked to predict your coffee spending for
the next 30 years.
Meanwhile, house prices keep climbing while you’re stuck in analysis paralysis, wondering if you’re financially ready or if the banks will ever say yes.
That’s where we come in.
We can help you get into into your first home with as little as a 5% deposit.
OUR FEES ARE
COMPLETELY TRANSPARENT
Most of the time, our advice comes at no cost to you.
Here’s how it works:
We’re paid a standard commission by the lender once your loan settles. This doesn’t affect your interest rate or loan structure, and you’ll receive the same offer you would get by going directly to the bank.
If a fee ever applies, you’ll know upfront. We’ll explain it clearly and confirm it in writing before you proceed.
Our job is to make the process easier, faster, and fully transparent from the start.
What you get is:
- Expert guidance through the entire process
- Access to multiple lenders, not just one
- Someone advocating for your best rate – often better than advertised rates
- Personal service from start to settlement
The result?
Professional mortgage guidance that’s clear, fair and always in your best interest.
Why Customers Leave Reviews
Persistent Advocate
When banks say no, we have 25 more lenders to try.
We don’t give up – clients tell us “We kept fighting when others would have quit.”
Financial Education
You’ll leave more confident, understanding what everything means. We’re your coach. It’s never “no,” it’s “not yet” – and here’s how we get to yes
15-Minute Reality Check
While others make you wait weeks for maybes, we’ll give you an idea of your borrowing power in a quick conversation. It’s not a pre-approval, but it’s clarity without the paperwork and false hope.
Human Service
You deal with the specialists directly, not a call centre. We return calls at 9pm because good houses don’t wait for business hours.
Plain English
No jargon.
No banker-speak.
Just straight talk,
explained like a
friend would.
Based in Christchurch, proudly helping Kiwis become homeowners across New Zealand.
From Cape Reinga to Bluff
What Our Homeowners Have To Say
Our Financial Services
Your mortgage success is just the beginning.
As your financial advisers, we’re here for every lending decision you’ll face.
First-Home Buyer Coaching
Stop feeling lost in the process. We’ll transform your confusion into confidence with clear guidance from pre-approval through to settlement day. Together we’ll check your KiwiSaver eligibility, structure your deposit mix, and map out every step so you walk into open homes knowing exactly what you can afford and how to win.
You’ll go from “Is this even possible?” to “Here are my keys” with someone genuinely fighting for your success every step of the way.
Investment Property Lending Support
We help structure lending for property purchases beyond your first home. This includes understanding borrowing capacity, equity use, deposit structures, and how different loan setups can impact cash flow and future flexibility.
Our role is to support the lending side of your investment journey, so your finance is set up correctly and sustainably from day one.
Mortgage Warrant of Fitness
Think of it as an annual health check, but for your finances. Just like you’d service your car to keep it running smoothly, your mortgage needs regular attention to make sure it’s still the best fit for you.
A quick review can uncover savings or smarter strategies you might otherwise miss. It’s about keeping your mortgage in top condition, so you can focus on building your future, not stressing over repayments.
Asset Loans
From cars and boats to caravans, motorcycles, and work vehicles, asset finance helps you enjoy the things that make life easier and more rewarding. We’ll help you secure tailored lending with flexible terms, fair rates, and a smooth approval process that fits your lifestyle or business needs. So whether it’s hitting the road, the water, or the next job site, you can move forward with confidence knowing your finance is working for you.
Self-Employment Lending
Traditional banks often struggle to understand self-employed income, making it harder for business owners, contractors, and freelancers to secure finance. We partner with lenders who specialise in self-employed clients, helping present your income in the best light and structuring solutions that reflect the reality of running a business, so your hard work opens doors to homeownership, not roadblocks.
Construction & Business Loans
From building your dream home to tackling major renovations or fueling your business growth, the right loan structure makes all the difference. We help you secure tailored finance solutions that provide the flexibility, staged funding, and competitive rates you need. So whether it’s a new build, an upgrade, or expanding your business, you’ve got the support to bring your plans to life.
Refinancing & Top-Ups
Whether you’re looking to secure a better rate, reduce repayments, or unlock equity for renovations, investments, or life’s big opportunities, refinancing and top-ups can give you more flexibility and control. We’ll review your current loan, compare options across lenders, and structure a solution that supports your goals. So your mortgage works harder for you, not the other way around.
Your Journey from
Dream to Reality
A simple roadmap takes you from pre-approval to long-term wealth building.
We guide you through every stage of the journey.
First, you’ll secure your initial loan approval and navigate the home-buying process with confidence.
Then, we’ll help you set up the right structures to support your repayments.
These same foundations will set you up for future investments.
Along the way, you’ll gain clarity, confidence, and a clear plan to turn homeownership into lasting wealth.
01
Simple
Friendly Advice
A quick chat to understand where you’re at and what’s possible. You’ll get clear direction on your borrowing power and next steps with simple, straight advice.
02
Secure
Pre-Approval
Know exactly how much you can spend before you start looking. We’ll help you set clear limits so there’s no guessing or heartbreak at auction.
03
Choosing the
Right Home
Find your perfect home with confidence. We’ll help you think about equity gain, long-term goals, and choosing a property that sets you up for success.
04
Paperwork
Made Simple
We handle the admin, talk to lenders, agents, and solicitors, and keep you updated.
You enjoy the process while we take care of the detail.
05
Buying Your
First Home
Secure great rates and cashback offers while staying informed through each step.
We’ll help you utilise your KiwiSaver funds for your first home purchase.
06
Protect Your
Investment
Arrange home and personal insurance to safeguard your new asset and
your family’s future.
We make sure you’re covered from day one.
07
Your
Next Move
When you’re ready, we’ll review your lending position and look at refinance or equity options. The goal is to keep your mortgage structure aligned with your next move, whatever that may be.
08
Ongoing
Lending Support
Your journey doesn’t end at settlement. We provide ongoing lending reviews and support as your circumstances change, helping you stay informed and prepared for future decisions.
Frequently Asked Questions
How much can I borrow for my first home in New Zealand?
Short answer: How much you can borrow depends on your income, deposit, and existing financial commitments. Most New Zealand lenders work within a range of four to six times household income.
Detailed explanation:
Lenders in New Zealand use two key tools to decide borrowing power: the loan-to-value ratio (LVR) and the debt-to-income ratio (DTI).
LVR: Most banks require a 20 percent deposit, which means you can borrow up to 80 percent of the property’s value. However, Kāinga Ora’s First Home Loan allows eligible buyers to purchase with as little as 5 percent.
DTI: The Reserve Bank limits lending to about six times gross annual income. So, a household earning $100,000 can expect borrowing of roughly $500,000 to $600,000, depending on debts and living costs.
Banks also “stress test” repayments at higher interest rates to check that you could still afford the loan if rates increase.
For a more accurate figure, a quick Reality Check with our team can show you what different banks would lend based on your own numbers.
Do I pay extra to use a mortgage adviser?
Short answer: No. Our service is free for most borrowers because lenders pay us when your loan settles.
Detailed explanation:
Mortgage advisers in New Zealand are paid by the lender through a standard commission structure. You receive the same or better interest rate as going direct.
The only time a fee may apply is in complex or non-standard situations, for example, if your opportunity sits with a non-bank lender, or the application is withdrawn before settlement. Any potential cost is discussed upfront so there are no surprises.
In short, you get professional advice, multiple lender options, and a streamlined process, all at no additional cost to you.
What’s the minimum deposit needed for first-home buyers?
Short answer: Preferred deposit is 20 percent. Some lenders offer a 10 percent deposit, and eligible first-home buyers can purchase with 5 percent under Kāinga Ora.
Detailed explanation:
Standard bank loans: 20 percent deposit lets you borrow up to 80 percent of a property’s value.
Low deposit loans: Some banks will lend up to 90 percent (10 percent deposit) for strong applications with stable income and low debt.
Kāinga Ora First Home Loan: Available through selected lenders for eligible buyers with a 5 percent deposit. You must meet income caps and live in the property for at least six months.
Example: a single buyer earning under $95,000 or a couple earning under $150,000 may qualify for this scheme.
We help you check eligibility, calculate what you can afford, and match you with lenders offering the right product for your situation.
How long does the mortgage process take?
Short answer: Most home loans take between two and six weeks from start to settlement.
Detailed explanation:
Pre-approval (1 to 10 days): You submit verifying documents: payslips, bank statements, and ID. Straightforward applications can be approved within three days, while self-employed or complex cases can take longer.
House hunting and offer: Once pre-approved, you can make offers with confidence, subject to final bank approval.
Final approval and settlement (2 to 4 weeks): After your offer is accepted, the bank confirms valuation, checks legal details, and prepares loan documents. Settlement, when the title transfers and keys are handed over, typically follows two to four weeks later.
We coordinate each step and keep you updated so there are no surprises.
Can I use my Kiwisaver for my first home purchase?
Short answer: Yes, you can use your KiwiSaver to help fund your first home if you have been contributing to your KiwiSaver for at least three years and the home will be your main residence.
Detailed explanation:
You can withdraw nearly all your KiwiSaver balance: your contributions, your employer’s contributions, and any investment growth, as long as you leave at least $1,000 in your fund.
To qualify, you must not have owned property before, although Kāinga Ora’s “second-chance” rule may apply if you are in a similar position to a first-home buyer.
We guide you through the application forms and timing so your funds are ready by settlement day.
Can I use a family gift for my deposit?
Short answer: Yes. A gifted deposit is common and accepted by most lenders as long as it is from a family member.
Detailed explanation:
The lender will need a signed “gift certificate” from the person providing the funds, confirming the money is non-interest bearing and repayments are not immediately required.
Sometimes families choose to document a ‘deed of acknowledgment of debt’, meaning the gift is repayable in the future, and this is done through your solicitor.
We provide templates and help ensure the paperwork meets the bank’s legal requirements.
Ready to Turn your Dream into Reality?
Stop wondering “what if” and start planning “when.”
Get the straight answers you need to move forward with confidence.
Book Your Complimentary 15-Minute Assessment.
Find out what you can actually borrow.
No paperwork, no pressure, just clarity.