FIRST HOME BUYERS GUIDE
The First Home Buyers Guide NZ
Buying your first home in New Zealand is not complicated. It just looks that way from the outside. Banks, lawyers, KiwiSaver, deposits, pre-approvals. This free guide cuts it down to what actually matters, and we do the rest.
Advice at no cost to you
Auckland, Wellington, Christchurch
What is Inside
01
Know your borrowing power before you look
02
Deposit sources and buying with less than 20%
03
Getting pre-approved properly
04
The real costs beyond the deposit
05
The buying process step by step
06
Loan structure that works for you
07
Protecting the home you just bought
08
First home buyer checklist
Most First Home Buyers do This Backwards
There are five more, and being short on settlement day kills deals.
The guide lists them with what to budget.
You do Not Need a 20% Deposit to Buy Your First Home
There are four other ways in, and each has a cost and a catch.
The guide covers all of them, including the mistake most buyers make with their KiwiSaver first home withdrawal.
The Bank That Says No is Rarely the Only Answer
Every bank reads income, debt and deposit differently.
A mortgage adviser works with many lenders, structures the application before it goes in, and it costs you nothing.
Most First Home Buyers do This Backwards
They fall in love with a house, then find out what they can borrow.
The guide shows you how to know your number first, and the one thing on your bank statement that quietly cuts it.
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Why Clients Choose Us
Putting people first, every step of the way
I want to thank Andrew Liu for all his help — honestly can’t recommend him enough. Super professional and really knows his stuff — you can tell right away he’s not just winging it. He takes the time to actually explain things instead of just throwing numbers at you. If you’re looking for someone reliable to help with your finances, Andrew’s your guy.
Andre B
Orion Chau was great to work with, very informative and found a more affordable insurance provider. It was a pleasure to work with Orion and Lily.
Melissa P
I was frustrated with our previous broker and reached out to Connor. Not only did he find us a better policy, he was great to deal with especially considering he had to work around our busy schedule. Thanks again.
Russell E
I highly recommend Richard Moore for his exceptional professionalism, deep knowledge, and absolute honesty. I reached out to him to review my income protection insurance and explore other financial options.Instead of just trying to sell me a new policy, Richard conducted a meticulous, detailed comparison between my current provider and the market alternatives. He concluded that my existing coverage was already excellent and honestly advised me to stick with it.Finding an adviser who prioritizes the client's best interests over making a sale is rare. Richard has earned my complete trust, and I will absolutely look to him for all my future insurance and financial planning needs.
Sau Lee C
5/5 Stars ~ Working with Paige (Financial Advisor) at Invicta Financial has been such a great experience. Right from the start, she was incredibly nice and so easy to talk to. She really went above and beyond to make sure I was looked after, and I genuinely appreciate everything she’s done for me. If you’re looking for someone who actually cares, definitely reach out to her!
Kayla S
Tom has been a dream to deal with! Very easy to communicate with.
Debra S
Dealt with Caleb to sort my KiwiSaver, he was very professional, helpful and warm. He helped me switch from my standard bank over to an externally managed fund, and I have seen positive growth in my KiwiSaver. A very knowledgeable advisor.
Tayla W
First Home Buyer Questions, Answered
No. Invicta is paid by the lender when your loan settles. There is no fee to you for advice or the application.
Usually 60 to 90 days. If you have not bought in that window your adviser renews it with the bank
Yes, if you have been a member for at least three years and are buying your first home to live in. You can withdraw almost your entire balance, leaving $1,000 in the account. Allow 10 to 15 working days for the withdrawal.
The standard is 20%, but many first home buyers get in with 10% through bank low deposit lending, or 5% through the Kāinga Ora First Home Loan if they meet the income and price caps. Low deposit lending carries an extra fee or margin.
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Book a 15 minute chat with an Invicta adviser. We tell you where you stand, what you can borrow, and what to do next.