But we are here to guide you through the process and make it as simple as possible.
When applying for your first home loan, some banks are accepting deposits as low as 5%. Deposits can be made up from many sources including cash savings, Kiwisaver savings and First Home Grants (provided you qualify) and gifts.
With access to our wide panel of lenders we can ensure great rates and loan terms which best suit your personal needs.
We understand that keeping up with the property market can be challenging at times therefore we can help you to obtain a pre-approval which gives you certainty knowing exactly how much you can spend on your new property.
If you have been a member of Kiwisaver for at least three years you may be eligible to use your Kiwisaver as part of your deposit and may also be eligible to receive the first home buyers grant. You may also be eligible for the first home buyers grant you can receive up to $10,000 per person to go towards your first home deposit.