Auckland First Home Buyer Specialist

Low deposit? Not sure you qualify? You're probably closer than you think.

Hunter Dean will tell you exactly where you stand — your real borrowing capacity, which lenders will approve you on your current deposit, and the exact steps to get from where you are to keys in hand.

100% free service — the lender pays, not you
Low deposit specialists — from 5% deposit
Kāinga Ora accredited — FHB scheme experts
Same-day response — evenings & weekends

Book Your Free 30-Min Session Call 021 741 417

Free · No obligation · Available evenings & weekends

Sound Familiar?

Most Auckland first home buyers are stuck on the same three questions.

You want to buy. You've been watching the market. But every time you get close to doing something about it, one of these thoughts stops you.

😰

"Is my deposit actually enough?"

The standard is 20%, but you've heard some people get in with less. You just don't know what's real for your specific situation — and the bank gave you a vague number that keeps changing.

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"Will I even get approved?"

Your income isn't straightforward, or you're on commission, or you've got student debt. You don't know how the banks actually see you — and you're afraid to find out.

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"Am I missing something?"

KiwiSaver, First Home Grant, the right lender, the right structure. There's a lot to navigate and you don't know what you don't know — which makes it hard to start.

These aren't signs you're not ready. They're signs you need one conversation to get clear. A free 30-minute session with Hunter Dean will answer all three — specifically, for your situation — so you stop guessing and start knowing exactly where you stand.

Borrowing Capacity

How much can I borrow?

This depends on your income, deposit, existing debt, and which lender you approach. Here are real indicative ranges. Your free session gives you your exact number.

Single buyer

$450–550k

$75k income, $50k deposit, no existing debt

Couple (combined)

$700–900k

$130k combined income, $80k deposit

Commission income

Varies

The right lender matters — banks assess this very differently

These are indicative ranges only. Your real number depends on income type, existing debts, deposit source, KiwiSaver balance, and current lender appetites. A free 30-minute session gives you your actual borrowing capacity — not a range.

Low deposit options — what's actually available

Deposit	What's possible	Key requirement
5%	✓ Available through selected lenders	Strong income, clean credit history
10%	✓ More lender options	Multiple lenders, good flexibility
20%+	✓ Full market access	Best rates and most flexibility

* KiwiSaver withdrawal + First Home Grant can significantly boost your effective deposit. We'll calculate your exact position in the free session.

Get My Borrowing Capacity — Free

The Process

From first chat to first home

Hunter handles the complexity behind the scenes. Here's what your journey looks like.

Free 30-Min Session

Your real borrowing capacity, which lenders suit your deposit, and exactly what to do next. No sales pitch — just clear answers.

Free · No obligation

Approval Strategy

Hunter prepares your application for the lender most likely to approve you. KiwiSaver and First Home Grant factored in automatically.

1–3 business days

Pre-Approval In Hand

You know exactly what you can offer. Hunter negotiates the rate and manages all bank communication from here.

Typically 1–3 days

Keys in Hand

Hunter manages every step from accepted offer to settlement. You focus on the home. He handles the finance.

4–12 weeks

First Home Buyer Essentials

Things I'll help you navigate

Buying your first home involves more than just finding a house. Here's what Hunter helps his 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. Hunter will guide you through eligibility and calculate exactly how much you can access.

First Home Grant

You may qualify for a government grant of up to $5,000 (existing home) or $10,000 (new build) per person. Hunter checks eligibility and factors it into your deposit strategy automatically.

Low Deposit Options

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

Pre-Approval

Before you start house hunting, Hunter will get you pre-approved so you know exactly what you can afford — giving you confidence at open homes and auctions, and credibility with vendors.

Client Stories

First home buyers who've been exactly where you are

Real situations. Real outcomes. Auckland buyers with non-standard income, limited deposits, and unanswered questions.

"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. From first chat to pre-approval took less than a week."

Dave & Rachael

First Home Buyers · Commission income · Auckland

"We had limited savings but Hunter helped us understand our KiwiSaver options, got us pre-approved quickly, and walked us through every step. I kept thinking we weren't ready — turns out we were closer than we thought. Couldn't have done it without him."

Mark & Stephanie

First Home Buyers · Limited deposit · Auckland

Why Is This Free?

There is no catch. Here's exactly how it works.

The question every smart person asks. The answer is simple — and it's how the NZ mortgage industry has operated for decades.

You get
expert advice

→

Hunter finds you
the best deal

→

Lender pays
Hunter's fee

✓ Zero Cost Guarantee

Hunter Dean is paid by the lender when your loan settles — not by you, not ever. Banks pay brokers as an outsourced service because it costs them less than running a full branch sales team. You don't pay a consultation fee, a success fee, or anything. If Hunter can't find you a better deal than you'd get going direct, he'll tell you that too.

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Not ready to book yet? Download the free FHB guide.

Hunter's step-by-step guide covering KiwiSaver withdrawal, the First Home Grant, low-deposit options, and what to expect from the mortgage process — before you commit to anything.

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021 741 417

Common Questions

Questions first home buyers ask Hunter every week

Often yes — though it depends on your full picture. Some lenders offer specific low-deposit products for first home buyers, starting from 5%. Hunter knows which lenders are most flexible right now and how to structure your application for the best chance. If you have KiwiSaver funds eligible for withdrawal plus a First Home Grant, your effective deposit may be higher than you think. Your free session will calculate your exact position.

No — Hunter's service is free to you either way. Some banks actually offer brokers better rates than they give direct customers because brokers bring volume. Going direct means negotiating without market context. Hunter negotiates rates daily across every major lender and knows exactly what's achievable right now.

Yes — if you've been contributing for 3+ years, you can withdraw your KiwiSaver savings (minus $1,000) towards your first home. Hunter calculates exactly how much you can access and factors in any First Home Grant you may be eligible for — potentially adding thousands to your effective deposit.

Not necessarily — but lender choice matters enormously. Different banks assess non-standard income very differently. Hunter knows which lenders work best for your income type and how to present your application in the strongest way. Dave and Rachael above had commission income — the right lender made the difference.

Pre-approval typically takes 1–3 business days once Hunter has your documents. From there, finding a home, making an offer, and settling usually takes 4–12 weeks. Hunter manages all bank communication throughout — you don't deal with the bank directly unless you want to.