Mortgages with JJFirst Home Buyers
First home buyer mortgages, sorted properly.
From deposit and KiwiSaver to pre-approval and settlement — a guided path built for people doing this for the very first time. This is my specialty.
Is this you?
Sound familiar?
- Saving a deposit and not sure what counts towards it
- Wondering if you're eligible for the Kāinga Ora First Home Loan
- Ready to find out what you could realistically borrow
- Confused by pre-approval, conditional offers, and settlement
How I help
From first chat to funded deal.
1
Free consultation
30-minute chat. No cost. We work out what you actually need and whether I am the right person to help.
2
Strategy & lender match
I compare your situation across the lender panel, structure the deal, and recommend the best path.
3
Application & approval
I prepare and submit your application, manage the lender conversation, and chase down approvals.
4
Settlement & ongoing review
Funds settle, you get the keys (or the better rate), and I check in annually to keep your loan working.
Getting ready
What you'll need.
Documents to gather
- Proof of ID
- Recent payslips
- 3 months of bank statements
- KiwiSaver statement
- Details of any existing debt
Questions we work through
- How much deposit do you actually have, including KiwiSaver and gifted funds?
- What lenders and schemes fit your situation?
- What can you realistically borrow?
- Fixed, floating, or a split — and for how long?
Common questions
Questions about first home buyers.
How much deposit do I actually need?
There are genuine lower-deposit paths — including the Kāinga Ora First Home Loan and using your KiwiSaver — if you're eligible. I check which lenders and schemes fit your situation and what your deposit realistically needs to look like.
Can I use my KiwiSaver towards the deposit?
Often, yes. Many first home buyers withdraw from KiwiSaver to help fund their deposit if they meet the criteria. I help you work out what counts and how it fits alongside your savings and any gifted funds.
How much can I borrow?
Lenders test affordability against your income, expenses and existing debts, and every lender's servicing test differs. I work out what is realistic for your situation and take it to the lender most likely to say yes.
What documents will I need to apply?
Usually proof of ID, recent payslips, a few months of bank statements, and tax summaries if you are self-employed. I give you a clear checklist upfront.
Ready for a no-pressure conversation?
30 minutes. No cost. No obligation. Just a clear answer on what is possible and what to do next.