The first step is working with a mortgage advisor to understand your financial position. They’ll help you assess your budget, explore options like KiwiSaver, and plan your deposit. This ensures you're prepared to apply for a first home loan or your first mortgage.

For most first-home buyers in NZ, lenders require a deposit of at least 20% of the property’s value. However, with KiwiSaver or family assistance, you may secure a first mortgage with as little as 10%. A mortgage advisor can guide you through deposit options tailored to your situation.

Mortgage pre-approval confirms how much you can borrow and makes you a stronger buyer. It’s valid for three months and helps you confidently make offers. A mortgage advisor can simplify the process, ensuring your application is fast and accurate.

In addition to your deposit, plan for solicitor fees ($1,000–$2,500), builder’s reports ($600–$750), and ongoing costs like rates and insurance. Working with a mortgage advisor ensures your first home loan accounts for all expenses and aligns with your financial goals.

Yes, a mortgage advisor can guide you through securing an investment mortgage. They’ll tailor options to maximize your returns and help you get a home loan that aligns with your investment strategy.