Spring is all but here and the days are slowly but surely getting longer. As any proud dad I just had to post this pic of my beautiful wife and our daughter Madelyn, 5 Months old – enjoying a bit of sun in the park over the weekend.
With the new changes to Investment lending by the Reserve Bank essentially effective & in place now, I firmly believe the market will be easing in the next few months while the buyers (mum & dad investors) adjust to the changes.
However interest rates are low, home owners are still upsizing or downsizing and often need to sell their home in order to move on to the next. Therefore I’m picking that there won’t necessarily be price drops, but more likely a decrease in the ‘Frenzy’ that we were seeing earlier on in the year. To me this simply means a bit more stability in the market – not necessarily price drops.
I’m therefore picking from now to early Feb 2017 will be an opportune time for 1st Home Buyers who are willing / able to take the plunge into home ownership!
So with this is mind this Month’s focus is on 1st Home Buyers…
If you are looking at getting into your first home or know someone who is this may just be the best news you’ve heard in quite some time!
I now have access to two ‘Welcome Home Loan’ Providers (actual Banks not Credit Unions) that are offering a crazy low rate of 4.15% Fixed + $1,000 Cash Bonus* for 1st Home buyers under the NZ Government backed ‘Welcome Home Loan’ Scheme.
You may be thinking; ‘Those rates aren’t that special!? I see those types of rates advertised on TV all the time? This is true however all of the fine print reads ‘Minimum 20% Deposit/ Equity’ required among other things; like having your everyday banking switched, a credit card taken out or having to buy an over priced nasty bank insurance policy!
But here we have 1st Home Buyers having full access to these same great rates whilst only needing to have 10% Deposit!
Of course there are exemptions – not everyone qualifies for the Welcome Home Loan. There are price caps and income caps. In a nutshell $600k for an existing property or $650k for a new build and $85k income cap or $130k depending on whether you are on your own or applying jointly respectively.
Has been a great experience working with Matt and his team. Have managed to get us better than the desired results so far
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Deanne Smeaton
9/17/2025
Matt and has team were wonderful to work with when buying our first home. Made the process a lot less daunting than it otherwise would have been. His team were very friendly and kept us up to date. And Matt has awesome knowledge to teach us which you could see his passion. Would highly recommend to anyone.
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Jared Campbell
9/07/2025
Matt and his team are the best around ! We had a tricky deal that was hard to make happen and they went above and beyond for us ! 100 percent would recommend and will be using again!!!
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Santana Lee
6/26/2025
We first worked with Matt Willoughby and the team at OneStop a couple of years ago as first home buyers, and they were absolutely fantastic. They made what felt like the impossible happen and helped get my partner and me over the line.
Since then, we've continued working with them including taking the plunge into "adulting" by sorting out both life insurance and health insurance. Matt and the team made the whole process simple and easy to understand, walking us through every step.
We've now used them for all our insurance needs over the years, and they’ve always gone above and beyond. Such a great team and genuinely helpful, professional, and always with your best interest at heart. Couldn't recommend them more highly!
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Trista Carter
4/09/2025
Matt was absolutely fantastic to work with! He made the whole mortgage process smooth, stress-free, and easy to understand. His communication was prompt, clear, and professional every step of the way, and he truly went above and beyond to get us the best possible outcome. We felt supported and informed throughout the entire process. We can’t recommend Matt highly enough—thank you for all your help!
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Leroy Strode
4/08/2025
Matt and the team at OneStop made purchasing our house easy and stress free for my family and I. Would definitely recommend getting in touch with Matt for your next/first house purchase.
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Lavinia Akauola
4/07/2025
Matt is super easy to talk to and really kind. He takes the time to understand where we're coming from and gives helpful feedback and advice that actually fits our situation.
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Da Trucka
4/07/2025
Great friendly service, highly recommend them.
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N D
4/07/2025
We achieved results by getting the loan amount we wanted and expert advice on interest rates and how to add value to the investments. Always be working with Matt and the team.
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Brian Berry
4/07/2025
Thanks team. OneStop did a great job guiding us through the process of getting our home loan sorted out. The financial advice and support through the process were spot on.
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Nash Nyashanu
11/06/2024
Brilliant advice and help from Matt. Was a massive help for us in our journey to buying our first home. Will definitely recommend for anyone.
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Sam Errington
8/05/2024
Best service from smart people
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Belinda Beukes
7/16/2024
Matt and Rue saw our vision and heart from the start. We were never left wondering about the next step as they explained things so simply. They were professional yet personable and always available, night or day:) We could not have bought our dream home without them. I would highly recommend this incredible team.
We're so grateful for them.
Belinda and Christopher Beukes, Manawatu New Zealand
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Michael Wong
6/08/2024
Matt and his team were brilliant. They helped out, and answered every question I had every step of the way. And with their help and knowledge, I was ultimately able to make "what previously seemed to only be a dream" turn into a reality! And that was to purchase my first property! At the ripe age of 47 I may add 🙂. Thanks again for everything guys! Yous rock!
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Martin Hastie
5/15/2024
Matt has stuck with me after some ups and downs,a couple of banks and we got there, I was great full for the let's try again, try another bank and I got there. Fully recommend 🙂
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Sylvia Mulcahy
3/27/2024
Matt and his team are amazing! Would recommend them to everyone.
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Catherine Moss
3/19/2024
Matt and his team were absolutely amazing. We highly recommend them. Communication was amazing, we couldn't have bought our house without them.
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Ma Hemar
12/25/2023
Excellent service. I highly recommend Matt and his team A+
