Want to buy your first home but not sure if you can?
Answer a few questions and a licensed broker compares lenders for your situation.
Are you looking to buy a property in New Zealand?
Takes 60 seconds · No credit score impact
Compare every New Zealand mortgage lender
All major banks and non-bank lenders compared.
What Kiwis are saying
Saved $340 a month
“We'd been with the same bank for six years. The broker found a lower rate and sorted the paperwork while we were at work.”
Cashback covered the legal fees
“Switching cost less than I expected. The cash incentive paid the lawyer and there was still some left over.”
First home, sorted in a fortnight
“I had no idea where to start. Our broker explained the deposit side plainly and we had pre-approval two weeks later.”
What to consider when buying your first home
Deposit and LVR requirements
Most lenders ask for at least a 20% deposit, though some accept less depending on the loan type and property.
KiwiSaver and government support
You may be able to put KiwiSaver savings toward your deposit, or access government first-home support if you're eligible.
Get pre-approved before you look
Pre-approval gives you a clear budget and shows agents and vendors you're a serious buyer.
Budget beyond the mortgage
Rates, insurance, maintenance, and what happens to your repayments if interest rates move when your fixed term ends.
A broker compares lenders for you
A broker can see live offers across banks and match you with the right one for your situation, at no cost to you.
GetMyLoan does not provide financial advice. We connect you with a licensed Financial Advice Provider registered on the Financial Service Providers Register (FSPR) and regulated by the Financial Markets Authority (FMA). Not affiliated with Meta or Facebook.