How our expert mortgage advisers can help you when buying your first home

Understand the home loan process

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.

Save for a deposit

Saving for a 20% deposit might seem out of reach, but we can help you get your finances in order to reach your goals.

Access your KiwiSaver

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.

Submit your application

We take care of submitting your mortgage application to the banks and lenders for you, helping you get it across the line.

Secure a pre-approval

Help to secure your pre-approval with minimum conditions. We make it easy for you to gain the finance for your dream home.

Get the right mortgage

With our guidance, you’ll find a mortgage structure that’s right for you now and in the future.

Talk to one of our advisers about your mortgage

Mortgage Calculator

Use our calculator to work out what your home loan repayments may be.

loan amount
The amount you’re considering borrowing, or the outstanding balance on your current mortgage.
annual Interest Rate % p.a

See for current mortgage rates.

Term length
The date the mortgage needs to be paid by.
Repayment Amount
Enter your current repayment, or try another amount to see the difference it makes.
Whether you pay your loan off weekly, fortnightly or monthly.
Extra Repayment
An extra amount you pay in addition to your regular repayments. This will be calculated as if you made this payment today.

Your results

How much you'll pay

Monthly Repayments
Total to pay
Total interest saved
You'll pay - The amount you borrow

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.

Using KiwiSaver towards your first home

If you’re purchasing your first home you might be able to use the money in your KiwiSaver towards the deposit or as part of the settlement amount. This can be a great way to boost your savings and make buying your first home possible.

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.

KiwiSaver First Home Grant

In addition to the KiwiSaver First Home Withdrawal, you may also be eligible for the KiwiSaver First Home Grant. Overseen by Kāinga Ora, the First Home Grant can provide up to $10,000 per couple towards the purchase of an existing first home or $20,000 for a brand new home.

To discover more about what you may be eligible for when buying your first home, get in touch with us for a no-obligation chat.

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