Buying your first home should be exciting! But in reality, many first time home buyers come to us feeling overwhelmed by bank jargon, unsure what they could afford, or rejected by banks altogether.
At OneStop Financial Solutions, we help first home buyers understand their options, avoid common mistakes, and secure a mortgage that fits their situation.
Our role is simple: give you clear advice, compare lenders for you, and guide you through the process from planning to settlement. Clients repeatedly tell us we made the impossible possible and turned uncertainty into a clear plan they could follow with confidence.
Every first home buyer’s situation is different. We take the time to understand your income, deposit, KiwiSaver balance, and goals, then explain your options clearly. You’ll get easy to understand advice, tailored to your needs.
If you’re eligible, KiwiSaver can form a major part of your first home buyer deposit. We help first home buyers understand how KiwiSaver first home withdrawals work, whether you can qualify for a Government supported first home loan, and how government schemes affect lender choice and approval
We calculate what lenders are likely to approve. This includes deposit requirements, loan servicing limits, interest rates, and ongoing repayments. Pre-approval gives you clarity before you start house hunting. We also explain how lenders mortgage insurance works, debt to income ratios, and how your credit score works.
Different lenders assess first home buyers differently. We compare interest rates, deposit requirements, flexibility within the loan and more. Our job is to match your situation to the right lender, not push you into the easiest approval.
Your first mortgage isn’t set-and-forget. We stay involved to help with reviewing interest rates, adjusting your repayments and strategies to pay off your home loan faster. If your situation changes, we can help you refinance, or buy your first investment property when you’re ready.
First-time buyers often assume their only option is to go directly to their bank. In reality, a mortgage broker gives you access to multiple lenders, clearer advice, and stronger approval strategies.
Using a mortgage broker for your first home loan helps you:
Many first home buyers tell us they finally felt confident once everything was explained in an easy to understand way and laid out step-by-step. Read more about how to get a mortgage.
First home buyers choose us because we focus on outcomes.
Matt is a registered financial adviser in New Zealand (FSP702911) and genuinely passionate about helping first home buyers achieve their property goals, and set themselves up for the future.
Here’s what other first home buyers say about working with Matt and the team at OneStop Financial Solutions:
The standard deposit for buying a home in New Zealand is 20%. Lower deposit options may be available for you. Speak to our mortgage brokers about your circumstances.
Your borrowing amount depends on income, existing debts, interest rates, and lender rules. You may like to explore our mortgage repayment calculator for example loan amounts and repayments.
Most first home buyers receive a free service. We are compensated by lenders upon settlement. Read our disclosure statement for more information.
In 2026, eligible first home buyers can make a KiwiSaver withdrawal to help with a deposit, and some may be eligible for a welcome home loan, with lower deposits backed by selected lenders.
First home buyers usually access the same rates as other owner-occupiers. Your interest rate depends on the lender, your credit score, and loan structure.
A mortgage broker compares multiple banks and non-bank lenders, while a bank only offers its own products. Feedback from borrowers tells us they found using our brokers easier than going directly to a bank.
If you’re planning your first home purchase we’ll help you understand your options before you commit. Give our office a call on 021 022 17130 or complete our contact form below and we’ll be in touch.
