First Home Loan

The Industry lenders would prefer that there is as much deposit as possible, ideally 20%.

Worried that your deposit is not enough? 

At Financial Doctors, our team of experts is able to secure your lending even with as less as a 5% deposit.

How much deposit do I require?

Yes, only first home buyers can use their KiwiSaver to purchase their owner occupied home. 

Please Note: In order to cash in their KiwiSaver, one must have KiwiSaver for at least 3 years.

For more information contact our lending specialists.

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How much can I borrow for my mortgage?

Each mortgage lender (ASB, ANZ, BNZ, etc.) follows different criteria when assessing your borrowing capacity for your first home loan. They take various factors into consideration, such as deposit, Income, and existing financial commitments. Once we have better understanding of your current financial situation, we can give you a indicative borrowing capacity.

Are you a new resident?

Our First Residents Service provides you with a free financial health check and guidance on how to get your first home loan in New Zealand.