First Home Buyers

Buying Your First Home

We go beyond simply comparing interest rates. We take the time to understand your income, your savings, your goals, and your timeline — then match you with a lender genuinely suited to your circumstances. That means less time wasted, fewer knock-backs, and a smoother path to approval.

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First Home Buyer Academy

From Renting to Owning, Made Simple. Enter Details and Get instant Access to First Home Buyer Academy.

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Here's how we help first home buyers:

  • Work out exactly how much you can realistically borrow
  • Get pre-approved, so you can house-hunt with real confidence
  • Compare interest rates, fees, and loan features side by side
  • Decide between fixed and floating — and everything in between
  • Handle the paperwork and lender requirements on your behalf
  • Explore low-deposit loan options (more possible than most people think)

Common First Home Buyer Questions

Buying your first home raises plenty of questions — deposit size, KiwiSaver rules, what settlement day actually involves, and more. We've answered the ones we hear most often in our First Home Buyer FAQ, so you can walk in prepared.

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FAQ's for First Home Buyers

Generally, you're considered a first home buyer if you haven't owned a home before. In some situations, previous homeowners may also qualify if they meet specific eligibility criteria set by New Zealand authorities.
Generally, you're considered a first home buyer if you haven't owned a home before. In some situations, previous homeowners may also qualify if they meet specific eligibility criteria set by New Zealand authorities.
Your borrowing capacity is based on factors such as your income, expenses, existing debts, credit history, and deposit. Simply Mortgages can assess your financial position and provide a clear estimate of your borrowing power before you start house hunting.