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Buying my first home: what I wish I knew

Kevin & JC on buying their first home

Last updated: 3 March 2025

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First-home buyers Kevin & JC share insights from purchasing their Royal Heights, Auckland property. They were surprised by the high cost of council rates, opting for weekly payments to manage the expense.

A mortgage broker was essential for understanding complex terms like fixed vs. floating rates. Practical lessons included unexpected delays for things like getting curtains installed. The biggest benefits they've found are the security of ownership, freedom to personalise, and having a safe space to share with others.

What was the most surprising thing about the financial side of buying the house?

Were there any terms that confused you?

Is there anything you wish you knew before you went into buying a house?

What was the settlement period like?

Now that you're settled in, is there anything that's been especially great or annoying?