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First home buyer

Find out what buying your first home could look like

A short check of your deposit, borrowing position and monthly affordability. You see your result first, and only ask for adviser contact if you want it.

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What matters most

Four things decide your first home

Enough to make sense of your position. Your adviser handles the detail from there.

Your deposit

How much you have saved, and how much of the purchase price it covers. More deposit usually means more lender choice.

Borrowing capacity

What a lender will lend based on your income, applicants and existing debts, tested at a higher rate than you will pay.

Monthly affordability

What the repayments actually feel like each month alongside rates, insurance and everyday living costs.

The purchase process

Advice or preapproval first, then offers, conditions and settlement. Knowing your number changes how you shop.

The path

Five steps to your first home

  1. 1

    Understand your deposit

  2. 2

    Check your borrowing position

  3. 3

    Prepare your documents

  4. 4

    Get advice or preapproval

  5. 5

    Search for a property

How much could I borrow

Check your first home position

An indicative guide only, built from the answers you give. A licensed adviser confirms it with a lender.

When are you hoping to buy?
Target region or town
How many people are applying?
Number of dependants
Net monthly income (all applicants)

Take-home pay after tax, combined.

$
Other regular monthly income

Boarder income, benefits, etc. Leave blank if none.

$
Existing monthly debt repayments

Credit cards, car loans, personal loans, other mortgages.

$
Monthly living costs

Leave blank to use a standard benchmark for your household size.

$
Loan term
years
Test interest rate

Defaults to today's advertised rate plus a conservative buffer.

%
Deposit you expect to have

Optional. Only used to show a secondary price-range estimate.

$
Are you expecting to use KiwiSaver?
Your main concern or question

Nothing is sent to an adviser at this step. You will see your result first.

Prefer to choose the adviser yourself?

Browse FSP verified advisers, filter by location and specialty, then contact the one you pick.

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Quick tool

Check your deposit and LVR

Where your deposit sits against lender bands, before you talk to anyone.

Deposit and LVR calculator

Work out the loan you need and where your deposit sits against lender bands.

General information only, not personalised financial advice.

Common questions

Frequently asked questions

Not a first home buyer?

If you already own, start with MyRateCheck instead.

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