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First Home Mortgage

First home mortgage

Buying for the first time can be a daunting experience.

Dealing with Agents, making an offer, finding a Solicitor, Valuations, Building reports….

This is where a broker can add a lot of value.

First contact me to find out what you can afford and to obtain pre-approved finance. You will then know the price range that you should be looking in and will know what your mortgage repayments will be.

Next, I will be able to guide you through most of the questions that you have regarding the whole process of buying, such as

  • Tenders and Auctions
  • Submitting an offer and what clauses to include
  • Valuation and or builders reports and LIM Report.
  • When to get the Solicitor involved

I will also be able to recommend and introduce you to various professionals that you will need along the way if required. If you have a Solicitor and don’t need a referral to one, I will still liaise with your Solicitor and Real estate agent and Valuer or Building Inspector if necessary to ensure a smooth and stress free process.

Once you are in your new home, I will be keeping in touch and will be able to help you structure the loan for maximum advantage. This could mean showing you how to reduce your loan faster and save thousands of dollars in interest. It will certainly mean reviewing your situation and giving advice whenever a fixed interest term finishes and obtaining the best possible rate for you from the bank for the new term.

Contact me to see if you qualify for no or low deposit finance. It will depend on your credit history, length and type of employment, income and a few other factors.


If you have been in Kiwi saver for at least 3 years, you may be able to withdraw funds towards a deposit on your first home. Your Kiwi saver provider will produce a statement for you of your contributions to date. You can withdraw your contributions and your employers’ contributions, (not any government contributions)

In addition to withdrawing yours and your employers’ contributions, you may also be eligible for a one off first home buyer’s subsidy from the government. It is $1,000 for every year that you qualify in the scheme (maximum of 5 years) This subsidy is $2,000 per year if you are buying newly built property.

For further information on Kiwisaver visit