First Home Buyers NZ

Know Which First Homes You Can Comfortably Afford

Stay within budget from day one.

In just 5 minutes, we analyse your financial position and current property market data to show what you can realistically afford.

Get clarity before filling out lengthy applications, contacting lenders or brokers, booking appointments, or sitting through sales presentations.

Your personalised report includes: budget estimates, deposit requirements, KiwiSaver and Kāinga Ora eligibility, ownership costs, and real homes currently within your price range.

Who Is This For?

✓ Renters considering home ownership

✓ First-home buyers in New Zealand

✓ Buyers unsure of their true budget

✓ Couples planning their first purchase

✓ KiwiSaver and Kāinga Ora applicants

✓ Buyers overwhelmed by listings

✓ People wanting a clear buying strategy

What's Included?

Our Assessment

Estimated buying budget, market coverage, and homes currently available that match your criteria.

Your Position

Your total savings and affordable home ownership costs.

Ways to Improve

Strategies to increase borrowing power through savings, flexibility, repayments, and interest rates.

Cost Breakdown

Upfront purchase costs and ongoing home ownership expenses.

Your Finance

Loan analysis, refinancing options, amortisation schedules, and equity projections.

The Market

Affordable and target homes available across suburbs and bedroom categories.

Your Information

Financial summary, KiwiSaver assessment, and Kāinga Ora eligibility checks.

Next Steps

A clear pathway to home ownership, access to key professionals, an open home inspection template, and a property search calendar.

Download Sample Report

View a real example report and see exactly what insights you'll receive.

Start Your First-Home Journey

Complete the form and receive your report instantly.

Buying Location

Suburbs within this area will be analysed based on recent property listings.

Preferred Beds

Main Applicant Preferred Name

Gross Annual Income ($)

Gross income before tax for the last 12 months. Check IRD if unsure.

KiwiSaver Balance ($)

Main applicant is buying a home to live in, has never owned a home before (or qualifies as a previous homeowner in a similar financial position to a first-home buyer), and does not own other residential property or land.

Main applicant is a New Zealand citizen, permanent resident, or eligible resident visa holder ordinarily resident in NZ.

Main applicant is a member of KiwiSaver for at least 3 years.

Main applicant has one or more dependents.

Application has a joint applicant as well.

Current Weekly Rent ($/wk)

Do not include bills like power, internet, gas, water, or heating, etc.

Affordable Top-Up ($/wk)

An optional extra weekly amount to help cover council rates, insurance, and potentially reduce your loan term.

Total Outstanding Debt ($)

Include mortgages, car loans, personal loans, credit cards, BNPL accounts, student loan, overdrafts, and other loan commitments.

Weekly Debt Repayments ($/wk)

Include mortgages, car loans, personal loans, credit cards, BNPL accounts, student loan repayments, overdrafts, and other ongoing loan commitments.

Savings Available For Buying First-Home ($)

Savings you are comfortable using for buying a home, including bank savings, investments, and gifts from family.

Your report will be sent to this email address.

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