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First Home Buyers

Browse our articles covering different stages of buying a first home in New Zealand. Topics include financial preparation, deposits, guarantor arrangements, property considerations and mortgage terminology. Each article explores a particular decision or part of the first-home-buying process.

Using a Guarantor to Get a Mortgage in New Zealand

A guarantor mortgage allows a parent or family member to support your home loan by agreeing to repay the debt...

The First Home Grant is Gone: What Does This Mean For First-Home Buyers?

Is the First Home Grant Still Available in New Zealand? No. The First Home Grant closed to new applications at...

Should I Purchase a New Build or an Existing House

Neither option is automatically better. A new build may suit you if you want a modern, lower-maintenance home and can...

How to prepare to go unconditional on a property

During house hunting, your energy is likely spent on open homes, exploring areas, and settling debates about architecture and commute...

What Is a Low Equity Margin or Premium in New Zealand?

A low equity margin, commonly called a LEM, is an additional interest-rate amount that some lenders may apply when a...

Interest Rates are Down; What it Means for First-Home-Buyers

Mortgage interest rates are on the move New Zealand mortgage interest rates have been steadily decreasing since August this year....

Want a First Home Loan? What you need to know

We’re all aware that, with high prices and conservative lending, first-home buyers face greater challenges than before. Therefore, it’s crucial...

Save Thousands on Your Mortgage with Flatmates

Yes, you can save thousands on your mortgage with flatmates or boarders. It also relieves the financial stress with the...

Building Inspection Reports for First Home Buyers in NZ

A building inspection report helps you understand the visible condition of a property before you buy it. Also called a...

First Home Buyers

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