The process

How I help first home buyers in Taranaki

Most first home buyers don't know where to start. Here's how I make it simple — from your first question to settlement day.

Free consultation

We talk through your situation — income, KiwiSaver balance, existing debts, and your goals. No obligation, no judgment.

Work out your borrowing power

I calculate exactly how much you can borrow based on your income and expenses, and what deposit you'll need in today's New Plymouth market.

KiwiSaver & grants

I check your eligibility for the KiwiSaver first-home withdrawal and the First Home Grant — many buyers are surprised how much they can access.

Pre-approval

I prepare and submit your application to the most suitable lender. Pre-approval means you can make offers with confidence.

Find your home

You find the right property. I'll keep your pre-approval current and advise on any lending conditions specific to the property.

Settlement & beyond

I manage the formal approval and work alongside your lawyer to get you to settlement day — and I'm still here afterwards when it's time to review your rate.

What you need to know

Deposit & eligibility in New Plymouth

The deposit you need depends on the purchase price and whether you're using KiwiSaver. Here's the current picture for most New Plymouth first home buyers:

Most first home buyers in New Plymouth need a minimum 10% deposit — though 20% gives you access to more lenders and better rates. In New Plymouth's median price range, that means roughly $60,000–$120,000 depending on where you're buying.

KiwiSaver can make a significant difference. If you've been contributing for at least three years, you may be able to withdraw most of your KiwiSaver balance (leaving $1,000) to use toward your deposit. On top of that, the First Home Grant offers up to $10,000 for eligible buyers — depending on income and the property price.

I'll work through all of this with you in our first conversation, so you know exactly where you stand before you start house hunting.

Common questions

FAQs for first home buyers

How much deposit do I need in New Plymouth?

Minimum 10% for most lenders, though 20% opens up better rates and more options. KiwiSaver and the First Home Grant can contribute significantly to this.

Can I use KiwiSaver to buy my first home?

Yes — after three years of contributions you can withdraw your balance (minus $1,000) toward a first home purchase. I'll check your balance and eligibility.

What is the First Home Grant?

A government grant of up to $10,000 for eligible first home buyers. There are income and property price caps — I'll tell you whether you qualify.

How long does pre-approval take?

Typically 3–10 working days once I have your documents. I'll tell you exactly what's needed and move as quickly as possible.

Do I pay for your advice?

No. My service is free to you. I'm paid by the lender when your loan settles — this doesn't affect the rate or terms you receive.

First home buyer mortgage advice in New Plymouth & Taranaki