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First Home Buyer Loans
Buying your first home is one of the most exciting—and often overwhelming—milestones in life. At Secure Mortgages, we simplify the process by offering tailored home loan solutions designed specifically for first-time buyers in New Zealand. From your initial consultation to settlement, we guide you through each step so you can make confident decisions with full financial clarity.
We also help you access government support, including KiwiSaver First Home Withdrawals and the First Home Grant. With our expert advice, strong lender network, and commitment to client success, you’ll be in the best position to secure your first home—without the stress or confusion.
Why Choose Secure Mortgages?
Can I use my KiwiSaver to buy my first home?
Yes! You can withdraw from your KiwiSaver account to help with your deposit, provided you meet certain eligibility criteria. We’ll guide you through the process.
How much deposit do I need for my first home?
Most lenders prefer at least 10–20% deposit, but we can help you find options with as little as 5%, depending on your financial profile and credit history.
Can I get a first home loan with a low credit score?
It may be more challenging, but not impossible. We work with a variety of lenders, including those open to lower credit profiles.
How long does the loan approval process take?
Pre-approvals can take as little as 24–72 hours, while full approvals may vary depending on the lender and documentation provided.