Your journey to becoming a home owner starts here...

Buying a house can be a daunting process. Deposits, home loans, interest rates, mortgages... where do you find advice, and then, who should you actually listen to? The First Home Buyers Club has all the info you need to get you from market newbie to savvy home owner.

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One Property, One Place

  • Illustration of a hand placing a coin with a dollar sign into a blue bank or savings box, with additional coins and upward green arrows indicating financial growth.

    1. Deposit Options

    Give your savings efforts a boost with these tips & find out how the KiwiSaver withdrawal for the first home buyers, first home buyers deposit subsidy, gifting & family equity loans can get you closer to owning your home!

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    2. Home Loan Pre-approval

    Apply with confidence - everything you need to know about applying for a loan, loan documents and credit checks. Give the bank an application they can't refuse!

  • 3D illustration of a house with a magnifying glass in front, symbolizing real estate search or property inspection.

    3. Finding a House

    Be one step ahead - go house-hunting armed with the right questions, an understanding of land types, different sale options & a comprehensive inspection checklist.

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    4. Making an Offer

    Make offers like a pro! See sample sale and purchase agreements and use our sale and purchase guide for hassle-free agreements.

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    5. Going Unconditional

    Might sound scary but it doesn't have to be! Understand your role & ensure you get all the boxes ticked when it comes to inspection reports, registered valuations, LIMS (yikes, what's that?) & certificates of title.

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    6. Home Loan Structure

    Create a home loan structure that works for you. The ins & outs of trusts, companies & joint tenancy. Fix or float? Understand terms of loans, interest rates & repayments.

  • Illustration of two hands exchanging money and a house model, symbolizing real estate transaction or mortgage.

    7. Signing a Mortgage

    Cautious about the commitment? Before you sign on the dotted line, understand the often mystifying world of mortgages and what it means for you.

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    8. Moving In

    Yay - It's moving day! Pull off a smooth operation with this checklist of tasks, suppliers and helpful service providers to help get you settled in your new home sweet home!

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