Thinking about buying your first home in 2025?
We love working with first-home buyers. We keep things relaxed, clear, and easy—but we’re also incredibly good at what we do. Most importantly, we want to make sure your journey is smooth, stress-free, and yes, even fun.
So, what does the process actually look like when you work with us?
Step 1: Take Some Action (Let’s Get Started)
The first thing to do is get in touch. We want to hear a bit about you—what excites you about buying your first home? What kind of lifestyle are you aiming for? But we’ll also ask for a few important details like:
How much do you have for a deposit?
Is it coming from KiwiSaver, savings, or maybe a bit of help from mum and dad?
Where are you looking to buy?
How much do you want to spend?
All of this helps us paint a clear picture of where you’re at and how we can help you move forward.
Step 2: Build Your Plan and Application
Next, we’ll have a chat about how to structure your application so it’s strong, realistic, and tailored for you. We’ll talk through:
What’s an achievable budget based on your situation?
How long will it take to get pre-approved?
What kind of lender (and loan structure) will suit your needs?
Once we’ve gathered everything we need, we’ll submit your application—and in most cases, you’ll get a pre-approval within a week or two.
Step 3: Go House Hunting (With Confidence!)
With your pre-approval in hand, the fun really begins. You can:
Start viewing homes that fit your budget
Connect with real estate agents
Begin making offers on the homes you love
And we’re right here to help you the whole way.
Step 4: Offer Accepted! Let’s Make It Official
Once you’ve found “the one,” we’ll help:
Meet any loan or sale conditions
Be in contact with your lawyer, the real estate agent, and valuers if needed
Make sure everything is locked in and stress-free
This is where having a good mortgage advisor really counts. We’ll make sure the finance is seamless—and that you’re supported every step of the way.
Step 5: Set Up for the Future
This isn’t just about buying your first home—it’s about building a strong financial foundation. We’ll give you advice around:
The best way to structure your loan
Interest rates and how to make the most of them
Your future financial goals, whether that’s renovations, investments, or paying off the mortgage faster
You’ll walk away not just with the keys, but with a solid game plan for the years ahead.
Step 6: Settlement Day 🎉
This is the big moment. The money lands with your solicitor, it’s paid to the vendor, and then—it’s all yours. You grab the keys, open the door, and step into your first home.
We’re genuinely honoured to be part of this journey with you!
Ready to Get Started?
Let’s chat about your goals and put together a plan that suits we'll help you take the next step.