Free Guidance for New Zealand's First Home Buyers

Buying your first home is confusing — deposits, home loans, interest rates, KiwiSaver... and everyone trying to help seems to want something from you.

The First Home Buyers Club gives you clear, expert guidance at every step. Get clear on where you stand, then move forward with confidence.

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Not sure if you're ready?

Our Home Readiness Quiz will help guide you.

See how ready you are to buy your first home
Get personalised steps to move closer to buying
Chat with a First Home Adviser for free expert guidance
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Your complete roadmap to buying your first home in New Zealand

1

Deposit Options

Give your savings efforts a boost with these tips and learn how KiwiSaver withdrawal, gifting, and family support can help you build your deposit faster.

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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!

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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 & 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.

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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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Not Sure Where You're At on the Home Buying Journey?

Take our quiz to find out and we'll help guide you through the process of buying your first home!

Take the Home Readiness Quiz

Get personalised advice and connect with a First Home Buyers Club adviser

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Mortgage, affordability, and savings calculators

Checklists & Guides

Step-by-step checklists for every stage

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Latest Articles

Expert advice for first home buyers

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Why Every First Home Buyer in NZ Needs an Emergency Fund After Buying
Deposit & Savings

Why Every First Home Buyer in NZ Needs an Emergency Fund After Buying

Buying your first home is a huge milestone, but the financial journey doesn't stop at settlement. An emergency fund is one of the most important safeguards new homeowners can build, helping protect against unexpected costs, income changes, and the realities of owning property in New Zealand. This guide explains why an emergency fund matters, how much you should aim for, and how to build it without derailing your home ownership goals.

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Continue Your Property Journey

Once you've bought your first home, we have resources for the next stages of your property journey.

Ready to Start Your First Home Journey?

Book a consultation with a First Home Buyers Club adviser and get expert guidance tailored to your situation.

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