First Home Buyers
Owning your first home is more than just another purchase; it’s the start of a new chapter. While the journey may feel overwhelming, we're here to make it easy, understandable, and support you at every step of the way.
Empowering your home ownership journey
When buying your first home, there are lots of different things to consider. From finding the right property, to due diligence, negotiation, loan approvals, signing contracts, finding the right insurances and more, it can be a significant undertaking.
Our support and advice goes beyond just getting you a mortgage. We sincerely care about setting you up for the future, and we can guide you on all aspects of first home ownership. We’re on the pulse of the property market, we’re home owners ourselves, and we have deep knowledge about what’s happening in the local area.
We provide enough information to help you make informed choices, but not so much that you feel overwhelmed. And when you work with us, you get ongoing support for the life of your loan.
Tap into the right financial opportunities
There are a wide range of options available to help people buy their first home, but many people aren’t aware of what’s out there. These forms of financial help can make getting onto the property ladder much more accessible.
Here are some options to consider*:
Low deposit mortgages: not all lenders require a 20% deposit to secure your loan. We work with a range of providers, and can often get you into a home with less.
First home loans: this scheme, underwritten by Kāinga Ora, enables you to borrow up to 95% of the value of the loan.
Kiwisaver early withdrawal: if you’ve been contributing to Kiwisaver for at least 3 years, you may be able to put most or all of your savings towards your loan.
Kiwisaver HomeStart grants: you may be able to access up to $20,000 in grants that can go towards your mortgage and don’t need to be repaid.
Family assisted loans: if your parents have cash in the bank or sufficient equity in their property, this can often be used as security to serve as your deposit and reduce the amount of interest, without them being out of pocket. Click here to find out more about family assisted loans.
Property sharing: if the cost of a deposit and mortgage repayments is too much for one person, it is possible to co-own a house with multiple people to make it more accessible.
*Different criteria apply for each option. Please contact us to find out more.
Find out how much you can spend
Before you start making offers on properties, it’s important to get your mortgage application pre-approved. This way, you can:
Know the maximum budget you can spend.
Make your offer more attractive by not needing to be conditional on finance.
Go into open homes feeling more confident in what you can realistically buy.
Experience The Mortgage Centre Difference
Clients love working with our registered financial advisers because we’re highly experienced, attentive to their needs, and helpful at every step along the way.
Deep expertise
We’ve spent decades working in banks. We know what lenders want to see, and how their processes function internally. We think outside the box to give you the best solution for your needs. And we’ve won a bunch of awards, too.
Focused on structure
Getting your loan approved is the easy part. Fine-tuning the structure to be the best fit for your specific situation is where we excel. We work with all the major banks and many non-bank lenders. And we look beyond just interest rates - we focus on setting you up with the right structure to repay your loan faster.
Personalised solutions
Our approach is tailored, not generic. We take the time to understand your unique scenario and explore the various options available, ensuring our recommendations truly align with your needs. We put your best interests first, and we’ll only set you up with loans that are the right fit for you.
Lifelong support
Our service doesn’t end with getting your loan approved - it’s just the beginning. You can expect annual check-ins, anytime support to help you on your property ownership journey, and advice on property-related matters as required. We're about building lasting relationships and empowering you to succeed.
Clear guidance
Getting a loan and buying property can sometimes be overwhelming. We take a relaxed yet professional approach to help you feel comfortable, confident and supported every step of the way. You’ll receive detailed and up-to-date information to ensure that you’re making the right choices without feeling overloaded.
Keeping it simple
Our services are designed to be straightforward and easy for you. We put in the work and handle the complexities, giving you a hassle-free experience. With our streamlined, honest, and transparent approach, you can enjoy a smooth borrowing process that doesn’t usually cost you a cent.
Steps to success
Step 1
When you get in touch, we’ll arrange a time to meet (in person or online), get to know more about your situation, and provide some initial solutions to consider.
Step 2
When you’re ready to go ahead, we’ll onboard you as a client, collect all the documentation required, prepare your application, and work with lending providers to get your borrowing pre-approved.
Step 3
Once we’ve gained approval and you’ve found a suitable property, we will meet to select the best structure for your loan and submit it to the bank. Then we’ll work with the bank and your lawyer to get the deal completed for settlement.
Step 4
After your property transaction is completed, we’ll keep supporting you as and when you need it. With annual checkups and the ability to contact us any time you need guidance, you can feel comfortable knowing that you’re in good hands.
Contact us
Contact us
When you’re ready to start the conversation, please feel free to contact us by filling out the form below, or reaching out to your local adviser in Auckland, Waikato, or the Bay of Plenty and Taupo. We look forward to helping you!