EXPERT GUIDANCE FOR FIRST HOME BUYERS IN NZ
Ready to land your first home?
Buying your first home is exciting — and we make it simple. Get personalised advice from Kea Mortgages.
How Kea Mortgages helps first home buyers.
We understand that getting your first home is about more than just a loan — it’s a big life step. That’s why we:
👍 We will explain your options clearly.
We break down home loans, deposit requirements, KiwiSaver help, and government schemes so you know exactly what’s available to you.
👍 We will find the right loan for you.
Everyone’s situation is different. We look at your finances, your goals, and your long-term plans to secure the best home loan for your needs.
👍 We will simplify the process for you.
From pre-approval to settlement, we manage the paperwork, communicate with lenders, and make sure everything stays on track. You don’t have to worry about missing a step.
👍 Avoid you making costly mistakes.
We spot the common pitfalls first home buyers face — from overcommitting on repayments to missing out on government assistance — and help you avoid them.
Your first home loan checklist.
Before we get started, it helps to have:
Your proof of income (pay slips or financial statements).
Your KiwiSaver and savings details.
A clear idea of your deposit and budget.
Some ID (passport or driver’s license).
Don’t worry if you’re missing anything — we’ll guide you through exactly what’s needed.
Why Kea Mortgages?
Local expertise: We know the NZ property market and can help you navigate them.
Years of experience: Over 25 years helping people get the right loans for homes and businesses.
Personalised approach: We treat you as an individual, not a number. Your goals, your finances, your first home — we focus on you.
Clear advice, no jargon: We make complex financial things easy to understand, so you can make decisions confidently.
Ready to go in 4 easy steps.
Reviews from first home buyers.
First Home Buyers FAQ.
What is a first home buyer in New Zealand?
A first home buyer is someone who has never owned a property before. In New Zealand, first home buyers may be eligible for special schemes, like KiwiSaver HomeStart grants or low-deposit loans through lenders and brokers like Kea Mortgages.
How much deposit do I need for a first home in NZ?
Most first home buyers can now access a home loan with a 5–10% deposit, depending on eligibility. Kea Mortgages can guide you through lenders who offer low-deposit options in NZ.
Can I use my KiwiSaver savings for my first home?
Yes! First home buyers can usually use up to $20,000 from their KiwiSaver (depending on the scheme) to put towards their deposit. We can help you understand the eligibility requirements and application process.
What government support is available for first home buyers in NZ?
The main support options are:
First Home Grant through Kāinga Ora – Homes and Communities
KiwiSaver HomeStart Grant
Some lenders offer special low-deposit or first home loan packages.
Kea Mortgages helps you compare all options to see what suits your situation.
How do I get pre-approved for a first home loan?
Pre-approval shows you how much you can borrow before you start house hunting. Kea Mortgages can help you gather your income proof, savings details, and KiwiSaver information to get a pre-approval quickly.
Can I buy a first home with a partner?
Yes! Buying with a partner can help you meet deposit requirements and increase borrowing power. We can help you calculate combined income and find the best loan for your situation.
How long does it take to get a first home loan?
From application to approval, a typical first home loan can take 2–6 weeks, depending on the lender and the complexity of your application. Kea Mortgages guides you every step of the way to keep it as smooth as possible.
What costs should I expect when buying my first home?
In addition to your deposit, first home buyers may need to budget for:
Legal fees / conveyancing
Property valuation
Lender’s mortgage insurance (if deposit <20%)
Insurances (home, contents, life, income protection)
Kea Mortgages can explain these costs upfront so there are no surprises.
Why should I use a mortgage broker for my first home?
A mortgage broker like Kea Mortgages:
Compares multiple lenders for the best deal
Helps you navigate government schemes
Handles the paperwork and process
Saves you time, stress, and potentially money
René Artz
Founder, Director and Head Financial Adviser.
B. Com. PG Dip. Com. PG Dip. Prop. Certified Financial Adviser.
About René.
For more than 25 years (and counting), René has worked in commercial banking roles and advisory positions within accounting and economic development.
After 5 years at the top of his game at Westpac, René has decided to spread his wings, so that more people can access his invaluable advice including business owners, commercial property owners, alongside those looking to invest into a new business venture.
René's biggest achievement though, is the clients that keep coming back for more - including the next generation of those clients!
Having grown up in a business family he remains captivated by the science of business and the art of getting it done. And herein, is where his secret to success lies. From the big picture to the details, René has the questions to make you think and the desire to build confidence in action.
Want to chat? René is a keen tramper, and a hands-on family man. He also loves nothing better than an engaging conversation across all worldly topics.
Phone: 021 025 42780
Email: info@keamortgages.co.nz
Ready to take the flight towards financial success?
Let's kickstart your loan journey together. Contact us today to start a conversation that will transform your property portfolio with our smart and straightforward approach.
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Phone: René: 021 025 42780
Email: info@keamortgages.co.nz
