First Home Buyers

When looking at buying your first home, the lending process can often be confusing. We have simplified the process to make it easy. We also have a tonne of resources to help you make the best decisions for you and your whānau.

The process of working with us

Meet and have a korero
The first step is to make contact with us. We’ll meet with you to understand your situation and make recommendations on the easiest way to buy a home. At this stage we will ask a range of questions to understand what is important to you and why you are buying a home. We help set goals and build a plan of how we can use housing to achieve these. Remember this is all free, we are paid by the bank when you find a home.

Get conditional approval
We will then gather all the paperwork and send this to the bank. What bank we send it to will be dependent on who can give you the best deal and service. We make them compete for your business and you’re in the driving seat. The bank will then come back with a conditional approval.

Find a home
At this stage you are now approved and looking for a home. We have buyer agents that we work with who will help you find your dream home. We also stay in regular contact throughout this stage and give advice on the properties you are considering. We need to make sure that the bank is happy with any property you like and that it satisfies any lending conditions.

Make an offer
At this stage you have found your dream house and we are going to make an offer. Once you make an offer and it is accepted we will need to satisfy all the conditions for the bank. We normally have 10 days to do this. We will engage a solicitor to get their legal opinion on the property. We may also need to engage a builder for a building inspection or a valuer for a valuation. We will work closely with you through the process and arrange most of this on your behalf to make it as easy as possible for you. We have excellent relationships with professionals in these industries. Once we have completed the above, we pay a deposit to lock in the house and set a move in date.

Finalise loan
We will meet and discuss the best way to structure your mortgage. This is all dependent on what it is you are trying to achieve. We will have an in-depth discussion around your future goals and build a timeline of how your house will help you achieve these. We will also ensure that you get the best deal.

Documentation will then be sent to the solicitor. You will meet with the solicitor to sign the documents and complete any other paperwork. The solicitor will advise you on the legal aspects of any contract.

Move in
This is the day that you get the keys to your new home. All your hard work over the last few weeks has paid off and now you have your own house to set up your future. Please keep in mind that the banks have until 3pm that day to make the payment. Therefore, you may not be able to get into your new home until late afternoon.

We make sure that we stay in contact and schedule a yearly review to see how everything is going. This is the most important part of the process as it ensures that we keep our goals front of mind. It also allows us to assess how your current mortgage structure is working and we can make changes if needed. It’s important that we stay on top of the mortgage and ensure that it is flexible enough so that you can achieve your financial dreams.

This ongoing service is also provided free of charge, we will continue to be the communication link between you and the bank to make sure you get the best deal when you renegotiate your interest rates each year.


The banks will pay us. Meaning that this is a free service for you. We will ensure that the banks compete for your business to give you the best deal available at the time. We’ll provide the exact numbers in my disclosure statement when we meet.

This is a common misconception that you need to have 20%. All banks have different criteria so if you have been declined by your bank don’t take that as full and final. Where there’s a will, there’s a way and we can do all different kind of things to get a deal approved. Make contact and we will come up with some options for your situation.

Please see the link below that discuss all the ins and outs around kiwisaver. We will walk you through this process and make the paperwork as easy as it possibly can be. All lending providers are different and will require different things.

Louis brought his first house with two other mates, and we are big advocates of joint buying to get on the ladder. It’s important that you get the right legal advice and have a good exit strategy. Again we will talk through your options and advise on the best way to achieve this.

The problem is that you can’t save as quick as house prices are going up. You will be surprised with how close you are. We would recommend making contact and we can help build a plan to get into a home. It might not be right away, but you will have a clear plan on how to get into home ownership.

Louis worked for one of the major banks for close to a decade. The way they operate is on a model of don’t ask, don’t get. Banks will normally not advise you of everything that is available to you. We will compete your business between multiple banks to ensure that you get the best deal on the market.

The other major point is that you will get A grade service. We will be your relationship managers and will be with your whānau well after the day you move in. You won’t be waiting an hour on the 0800 line or dealing with someone different every time. We are with you for life and want to do everything we can do ensure that your whānau does the best they can.

Ready to get started?