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Buying your first home

If you want to buy your first home, this is where you start the journey. Our guides have everything you need to take you from building your deposit, getting through the pre-approvals process and house hunting, to finally holding those keys on settlement day.

Save for a deposit

Get your deposit together

KiwiSaver, First Home Grant and First Home Loan

Buy with help (family and friends)

Get ready to borrow

Review your spending and budget

Check your credit score for free

Tidy up your credit card

Find your borrowing power

Understanding Loan Options

How do home loans work?

Get familiar with home loan types

Understand Interest and Fees

What type of borrower are you? An Individual, trust or company?

Getting Pre-approved

Consider timeframes and set your expectations

Pre-approval Document Checklist

Get your home loan pre-approved

Go property hunting

What property type is right for you?

Is a new build a better idea?

Understanding property valuations

Checklist: House Hunting

Buyer Beware: ‘Leaky home’ syndrome

Buyer Beware: Buying older houses

Do your due diligence

Home buyers check list

Sign on the dotted line

You've found a house! What next?

Get auction ready

Prepare to negotiate on price

Finding, and working with a lawyer

Conditional vs unconditional offers

Going unconditional

Checklist: Going Unconditional

Checklist: Settlement Day

Settle and move in

Getting ready for settlement day

What happens on settlement day?

Consider writing a will

Understanding your council rates

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