First Home Buyers

The purchase of your first home is one of the most important purchases you will ever make.

The purchase of your first home is one of the most important purchases you will ever make. There’s plenty of information while buying your first home, and it cannot be obvious. A mortgage BuildME consultant can help!

  • We freely compare and negotiate interest rates
  • We have access to the largest bank and lender panel of NZ
  • We can help you access your KiwiSaver and HomeStart subsidies
  • We are the largest mortgage consultants in NZ.

Government Grants and KiwiSaver

On 1 April 2015, KiwiSaver HomeStart launched a series of changes for first home buyers. The first home buyer replacement packages were designed to help people make the dream of purchasing their own home.

Finding the right Home Loan

Several kinds of home loans, including loans that allow a full third party guarantee, are specifically suited or advertised as suitable for first-time home buyers.


How much deposit I need for a home loan is one of the most frequently asked questions during the loan process. As a beginning home buyer, it’s important to know how much money you need to save for a home loan to start a savings plan.

Low Deposit Loans

While no deposit home loans or 100 percent home loans are now not made available due to changes in banks’ lending criteria, some lenders recognize continuous rental repayment for 12 months as part of the genuine saving requirement.

Family equity loans

Family equity, family commitments, or, more commonly, limited guarantor loans enable a family member to guarantee a portion of your home loan for the majority of your parents.

The purchasing process

The purchase of your first property (or your second or third property) is an outstanding achievement and requires time, effort, and often sacrifice. When you are a first-time buyer, you can ask yourself what the method is and how hard it is before you become a homeowner.