Feeling overwhelmed already?
For most first home buyers, this is the stage where excitement meets overwhelm. Deposit, borrowing power, KiwiSaver, repayments, it’s a lot to untangle on your own, especially with rates on the move again.
Let’s work out a plan for you that you can actually make sense of.
Why first home buyers come to us
- Straight answers, not bank-speak
- We shop the market so you get the best deal, not just the first offer
- A step-by-step plan from your first question to your first day as a homeowner
- Free for you, we’re paid by the lender you choose, so our advice stays focused on what’s best for you
What people say
Rob, Rowan and Angus were supportive and efficient in securing my first home and mortgage. They not only worked with the bank on my behalf but talked me through the purchasing process, connected me with a conveyancing solicitor and kept in touch to see how things were progressing. 10/10 team, thanks for all your help. — Tessa Vaeau (Google Review)
Rob and his team took me from having zero understanding of the property ladder to successfully buying my first home. Clear guidance, steady communication, and genuinely helpful advice at every step. — Lucas Kenning (Google Review)
As a first home buyer with a lot of questions, this company was incredibly helpful throughout the whole process. They were always easy to get in contact with whenever I needed assistance and were more than happy to explain everything clearly and answer all of my questions. Would recommend. — Holly Devos (Google Review)
The Team on Your Side
We’re The Mortgage Advice Company, and we believe getting your first home should be exciting, not overwhelming.
Our whole team is built around one simple idea: to give you clear, honest advice that works for you, not for the banks. We’re here to be your guide and your champion, from your first question to your first day as a homeowner.
Your Questions, Answered
What does this service cost?
Nothing to you. We’re paid by the lender you choose, so our advice is always focused on the best outcome for you.
Will this affect my credit score?
No. Getting a plan doesn’t touch your credit score. We only run a credit check with your permission, much later in the process.
What documents do I need to get started?
Nothing to start. Later on we’ll guide you through the basics, ID, proof of income, that sort of thing. We keep it simple.
Am I locked in once I get a plan?
Not at all. Your plan and initial advice come with zero obligation. The decision to move forward is entirely yours.
Is the First Home Grant still available?
No, the First Home Grant closed to new applicants in 2024. The two live tools now are the Kāinga Ora First Home Loan (as little as 5% deposit for eligible buyers) and the KiwiSaver first home withdrawal, we’ll walk you through both and tell you honestly which applies to you.
Still deciding?
There’s no harm in finding out. No spam, no pressure, and you’re free to take it or leave it.
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