We can help you find a mortgage structure that’s right for you now and for your future.
We can help secure your pre-approval with minimum conditions, making it easier for you to gain the finance for your dream home.
We can submit your mortgage application to the banks and lenders on your behalf, helping you get it across the line.
Buying a home and getting a mortgage can be complex, so we can walk you through it step by step to make sure you understand how it all works.
You may be entitled to withdraw an amount to contribute towards your first home. We can check your eligibility and help you access this benefit.
Saving for a 20% deposit might seem out of reach, but we can help you get your finances in order to reach your goals.
Thinking about buying your first home? It’s a big step – exciting, yes, but it can also feel overwhelming. That’s why at Enva, we offer expert guidance to help you make confident decisions at every stage of the journey. Here’s what the typical first home journey looks like:
Figure out how much you’ll need to put down, and where it might come from, such as your personal savings, KiwiSaver, assistance from family, or a guarantee.
What does your first home look like? Consider factors such as location, property type, and number of bedrooms to help set clear priorities for your search.
Getting early advice from a mortgage expert can make a real difference. We’ll help you understand your borrowing potential and explain the process in a way that makes sense.
Together we'll assess your financial position and, if eligible, assist you in applying for pre-approval. This gives you clarity on your price range and shows sellers you’re a serious buyer.
Explore listings, visit open homes, and shortlist properties that tick your boxes. When you find ‘the one’, you’ll be ready to make an offer.
A solicitor or conveyancer will take care of the legal side – reviewing contracts, handling paperwork, and helping you meet important deadlines.
Once your offer is accepted, you’ll need to work through a few key checks – such as securing unconditional finance, getting a registered valuation, and organising a builder’s report or LIM.
Your mortgage adviser will help you decide on the loan structure that suits your current lifestyle and long-term goals – including interest rates, repayment terms, and fixed vs. floating options.
On settlement day, legal ownership is transferred, funds are released, and you officially become a homeowner. It’s time to collect the keys and your first home is now yours!
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Use our calculator to work out what your home loan repayments may be.
Top Tip
Making just the minimum payment allows a mortgage to run on for its entire term. Increase repayments to save interest and be mortgage free sooner.
This calculator provides an estimate/illustration only and is based on the accuracy of the limited financial information provided by you.
There are a few criteria and conditions that you’ll need to meet, so get in touch with us to see if you’re eligible and how much you may be entitled to use.
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