Buying your first home?
Let's help get you there - step by step.
If you’re planning to buy your first home in the next 12 months, we’ll help you understand what you can afford, what to do next, and how to prepare, without the jargon.
Takes 3–5 minutes • No obligation • NZ-based advice
We help first home buyers get mortgage ready
Buying your first home can feel overwhelming. But it doesn’t have to be.
Is this you?
You're a first home buyer in New Zealand
You're thinking about buying in the next 6–12 months
You're not sure how much you can borrow
You want to understand what lenders look for
You'd like clear guidance, not pressure
Know your numbers
Understand borrowing power, deposits, KiwiSaver and grants.
Get lender-ready
Learn what banks look for and how to strengthen your position.
Buy with confidence
Avoid common first-home mistakes and know what to expect at each step.
Ongoing support
We’re here from “just looking” right through to settlement day.
Start our first home buyer quiz
Our quick quiz helps us understand where you’re at so we can send you the right guidance at the right time.
After completing the quiz, you’ll receive:
A clearer picture of your readiness to buy
Tailored tips based on your situation
Access to helpful emails for first home buyers
Optional support from a local mortgage adviser
No spam. Unsubscribe anytime.
Helpful hints for first home buyers
Here are a few things many first home buyers don’t realise early on:
Your borrowing power is often different from what online calculators show
Small changes to spending can make a big difference to approval
You don’t need to have everything perfect to start the conversation
Getting advice early can save time, stress and money
Why work with My Mortgage
We work with first home buyers every day
Independent advice: we compare options across lenders
Clear, honest guidance with no pressure
Support from pre-approval through to settlement
Locally based mortgage advisors
