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adviceHQ > Mortgages > First home buyers

First home buyers

Independent mortgage advice for first home buyers

Welcome to adviceHQ’s mortgage advisory service tailored for New Zealand first home buyers. We understand that buying your first home is an exciting but daunting journey, and we're here to support you with expert mortgage advice every step of the way.

If you're considering tapping into your KiwiSaver, exploring KiwiSaver HomeStart grants, interested in KiwiBuild properties, or considering the Welcome Home Loan scheme, adviceHQ has the knowledge and expertise to help you make the best-informed decision possible.

KiwiSaver Withdrawal

Are you looking to use your KiwiSaver savings to help secure your first home? We can help you understand the process of making a KiwiSaver withdrawal. If you've been contributing to KiwiSaver for a period, you may be eligible to withdraw both your contributions and your employer's contributions to put towards your deposit. Our advisors will guide you through the eligibility criteria and make sure you maximise the benefits of your KiwiSaver savings.

KiwiSaver First Home Grants

A First Home Grant gives eligible first home buyers an amount towards buying an existing or brand-new home. To be eligible, you must have been contributing to KiwiSaver for a period and meet certain income and house price caps. Our experienced team can help you understand your eligibility and make the most of the KiwiSaver First Home Grant to help you reach your homeownership goals.

KiwiBuild

KiwiBuild is a government initiative aimed at increasing the supply of affordable housing in New Zealand. It offers eligible first home buyers the opportunity to buy newly built homes at more affordable prices. These homes are usually sold below market value and are subject to certain criteria, including income limits and residency requirements. adviceHQ can give you valuable insights into the KiwiBuild programme, help you navigate the application process, and support you in finding the right KiwiBuild property to fit your needs and budget.

Welcome Home Loan

The Welcome Home Loan scheme is designed to help first home buyers with moderate incomes who may not have a large enough deposit saved. Welcome Home Loan mortgages aren’t subject to the Reserve Bank of New Zealand’s loan-to-value (LVR) rules, as they’re underwritten by Housing New Zealand. However, you’ll need to meet certain criteria, such as income and house price caps, and you must intend to live in the property. We can give you personalised guidance on Welcome Home Loans, help you work out your eligibility, and support you in navigating the application process smoothly.

Why trust adviceHQ with your first home buyer needs?

If you’re ready to start your first home buyer journey, partner with adviceHQ and make use of our industry-leading expertise, personalised guidance, and comprehensive suite of services.

Contact us today to schedule a chat and take the first step towards buying your first home.

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adviceHQFirst home buyers