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The complete checklist for buying your first home in Auckland

Not sure where to start? This free checklist walks you through everything — from KiwiSaver withdrawal to getting pre-approved — so nothing gets missed.

Step-by-step process from start to settlement
KiwiSaver, First Home Grant & deposit breakdown
What documents you'll need (so you're ready to go)
Written by an Auckland mortgage broker, not a bank

Trusted by 100+ Auckland first home buyers

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Why Use a Broker?

Why first home buyers work with me

Your mortgage is your biggest financial commitment. I make sure you start on the right foot.

I Compare So You Don't Have To

Instead of booking appointments at every bank, I gather the best offers from 9+ lenders and present you with the best options for your situation.

I Handle the Paperwork

The mortgage application process involves a lot of documents. I manage everything - so you can spend your weekends at open homes, not filling out forms.

Expert Guidance, No Cost

My service is completely free to you. I'm paid by the lender when your loan settles. You get professional mortgage advice without spending a cent.

How It Works

From first chat to first home

A simple 4-step process - I handle the complexity behind the scenes.

Free Chat

A no-obligation 30-minute call. I'll learn about your situation, goals, and answer your questions.

Financial Assessment

I assess your finances, advise on borrowing power, and create a plan - including KiwiSaver and grants.

Best Rate, Found

I shop across all major lenders and negotiate the best rate and terms for your specific situation.

Keys in Hand

I manage the application and settlement process - keeping you updated every step of the way.

First Home Buyer Essentials

Things I'll help you navigate

Buying your first home involves more than just finding a house. Here's what I help my clients with.

KiwiSaver Withdrawal

If you've been contributing for 3+ years, you may be able to withdraw your savings (minus $1,000) towards your deposit. I'll guide you through the eligibility and process.

First Home Grant

You may qualify for a government grant of up to $5,000 (existing home) or $10,000 (new build) per person. I'll check your eligibility and help you apply.

Low Deposit Options

Don't have a full 20% deposit? Some lenders offer options from as low as 5–10% for first home buyers. I know which lenders are most flexible for your situation.

Pre-Approval

Before you start house hunting, I'll help you get pre-approved so you know exactly what you can afford - giving you confidence at open homes and auctions.

Client Stories

First home buyers who've been in your shoes

Real stories from people I've helped get into their first home.

"Both my partner and I are on commission-based income, which made things complicated. Hunter found us a lender who understood our situation and got us a great rate. We honestly didn't think it was possible this soon."

Dave & Rachael

First Home Buyers · Commission-based income

"We had little savings but strong financial potential. Hunter helped us understand our KiwiSaver options, got us pre-approved quickly, and walked us through every step. We couldn't have done it without him."

Mark & Stephanie

First Home Buyers · Limited deposit

Common Questions

Questions first home buyers ask me

Straight answers to the things you're probably wondering.

The standard is 20%, but many first home buyers get in with as little as 5–10%. Some lenders have specific low-deposit products for first home buyers. When we chat, I'll assess your deposit situation and match you with the lenders most likely to work with what you have - including any KiwiSaver withdrawals or First Home Grants you're eligible for.

No - my service is free to you. Banks pay brokers as an outsourced service, saving them costs. Some banks even offer brokers better rates than they give direct customers. I negotiate rates daily and know exactly what each lender is currently offering, so you'll often get a better deal through me than going it alone.

Getting pre-approved typically takes 1–3 business days once I have your documents. From there, the full process - finding a home, making an offer, and settling - usually takes 4–12 weeks depending on your situation. I keep things moving and handle the bank communication so there are no unnecessary delays.

Yes, if you've been contributing for 3 or more years, you can withdraw your KiwiSaver funds (minus $1,000 that must remain) to put towards your first home. I'll help you understand how much you can access, guide you through the withdrawal process, and factor it into your overall deposit strategy.