Buying guide
Home loans for first home buyers: A beginner’s guide
Finance, sorted.
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This guide helps first home buyers navigate securing a home loan. Start by researching prices on Trade Me Property Insights and preparing a deposit, ideally 20%.
Before applying, tidy your finances by reducing debt and showing genuine savings. Speak with a mortgage broker or lender early to get pre-approved for your loan.
Also explore support options like Kiwisaver withdrawal and Kāinga Ora loans. With your finances sorted, you can confidently search for and make an offer on your first home.
Get an idea of what your budget needs to be
Get your deposit together
Sort your finances out
Sorting out your finances will make getting your first home loan much easier.
Speak to a professional about home loans for first home buyers
Get as much help as you can
Find the one (or a few)
Arranging finance should be one of the first things you do when buying a home.
Make an offer or bid at auction
Settle and move in
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