Buying your first home, step by step
We explain the process in plain English, compare the lenders for you and guide you from pre-approval to the day you get the keys.
How we help
Lender comparison
We work across the major banks and non-bank lenders, so you see more than one option.
Pre-approval
Know what you can borrow before you make an offer, so you can shop with confidence.
Deposit and KiwiSaver
We look at how much deposit each lender needs, and how KiwiSaver and any other support may help you.
One adviser
You deal with the same person from first call to settlement.
How it works
- Tell us your planA quick call about your income, savings and what you are hoping to buy.
- We compare optionsWe check lender policies and recommend a structure.
- We handle the applicationWe prepare and manage it through to approval.
- Settlement and beyondWe stay in touch about your loan as your life changes.
Common questions
How much deposit do I need to buy my first home?
It depends on the lender and your situation. First home buyers can often borrow with a deposit as low as 10%. If you already own a home, lenders usually ask for 20%. We will tell you what applies to you.
Can I use my KiwiSaver?
Many first home buyers can use part of their KiwiSaver towards a deposit, if they meet the rules. We will talk you through what applies to you.
Do you charge for your advice?
Please ask us about fees when you get in touch. We explain how we are paid in our disclosure statement.
How long does approval take?
It varies by lender and how complete your information is. We will give you a realistic timeframe once we know your situation.
Ascend Financial Services Limited, FSP1001680. General information only. It is not personalised financial advice. Lending is subject to each lender's criteria and approval. You can read our disclosure statement.
Ready to start your first home journey?
Tell us what you are planning using the form below, or call us on 021 217 8208. We will come back to you personally.