Family Home
Independent Mortgage Advice for Buying a Family Home
Buying a family home is a big step for any Kiwi family. It’s an exciting time, but it also comes with important financial choices.
At AdviceHQ, we make things easier by giving clear, honest advice to help you find the right mortgage and move forward with confidence.
Your Family Home Journey
Independent, easy-to-understand advice to help you make confident financial decisions.
We start by getting to know you and your financial situation.
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Budget check: We look at your income, expenses, and commitments to set a clear, realistic budget.
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Loan affordability: We help you understand how much you can safely borrow without stretching your finances.
Needs and Budget
There are many types of loans in New Zealand, each with different terms and features.
We’ll explain your options, including:
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Interest rate choices: Fixed, floating, or a mix of both.
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Helpful loan features: Offset accounts, redraw options, and early repayments.
Mortgage Options
Buying a home often involves shared ownership or co-buying.
We’ll help you understand:
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How ownership structures work
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What lenders look for when co-buying
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How credit history and responsibilities are shared
Legal and Ownership Considerations
If you plan to use your KiwiSaver or other government support options, we can help you understand your choices:
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KiwiSaver Withdrawal – Use your savings for your family home deposit
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First Home Grant – Check your eligibility for extra support
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Welcome Home Loan – Buy with a smaller deposit
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KiwiBuild – Explore affordable new homes across New Zealand
KiwiSaver and First Home Buyer Support
