Buying guide
Home loans for first home buyers: A beginner’s guide
Finance, sorted.
AI summary
Securing a first home loan is achievable with careful planning. Start by researching property prices on Trade Me Property Insights to set your budget and aim to save a 20% deposit.
Before applying, improve your financial position by:
- Reducing debt and showing genuine savings
- Maintaining a good credit score
- Securing stable employment
Consult a professional like a mortgage broker early on and explore assistance options such as Kāinga Ora loans or KiwiSaver withdrawals to help you buy 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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