Mortgage Broker for First Home Buyers

The journey to becoming a homeowner can be overwhelming. That’s where OneStop Financial Solutions comes in. As expert mortgage brokers, we’re here to help you get into your first home with ease.

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first home buyers nz

Why Use a Mortgage Broker for Your First Home Loan?

As a first-time home buyer, you might wonder why you should use a mortgage broker. Here’s why:

  1. Access to a Wide Range of Lenders: We work with a panel of lenders, giving you more options than going directly to a bank.
    2. Expert Advice: Our mortgage advisers understand the complexities of home loans and can guide you through the process.
    3. Save Time and Stress: We do the legwork, comparing different loan options to find the best deal for you.
    4. Maximise Your Chances: We know what lenders are looking for and can help strengthen your application.

Buying your first home is an exciting time, but it can also be stressful. Our comprehensive first home buyers guide covers everything you need to know about the process of buying a house, including:

– Understanding your borrowing capacity
– Saving for a deposit
– Applying for a home loan
– Using KiwiSaver for your first home
– Navigating the real estate market

How We Help First Home Buyers in New Zealand

At OneStop Financial Solutions, we’re dedicated to making your dream of home ownership a reality. Here’s how we support first-time home buyers:

Personalised Mortgage Advice

Our mortgage advisers take the time to understand your unique situation and goals. We’ll explain the home loan process in plain language and answer any questions you have along the way.

We Help You With KiwiSaver First Home Withdrawal

As a first home buyer, you can withdraw your KiwiSaver savings to put towards your deposit. We’ll guide you through this process and help you determine if you’re eligible for this, and any other government incentives, which could provide additional funds for your home purchase.

We'll Help You Get Pre-Approval So You Can Confidently House Hunt

Use our mortgage calculator to get an idea of your potential mortgage repayments. We’ll also help you secure pre-approval, giving you a clear budget when house hunting.

We Negotiate With Lenders on Your Behalf

We’ll leverage our relationships with banks and lenders to get you the best mortgage rates and terms possible. Our goal is to get the best deal for your first home loan.

We're Here With Ongoing Support

Our service doesn’t end when you get your loan. We’ll be here to support you throughout the process of buying a house and beyond, offering advice on everything from mortgage repayments to refinancing options.

Why Choose OneStop Financial Solutions as Your Mortgage Broker?

When you’re buying a first home, having the right support can make all the difference. Here’s why many first time home buyers choose us:

  1. Expertise: Our mortgage advisers specialise in helping first-time home buyers get a mortgage.
  2.  Personalised Service: We treat each client as an individual, tailoring our advice to your unique circumstances.
  3. Access to Multiple Lenders: We work with a range of lenders, increasing your chances of finding the right loan for your needs.
  4.  No Cost to You: Our service is free for home buyers, as we’re paid by the lender when your loan settles. If this isn’t the case, we’ll let you know upfront.
  5. Ongoing Support: We’re here to help not just with your initial purchase but with all your future mortgage, KiwiSaver, and insurance needs.

Testimonials from Happy First Home Owners

Ready to Start Your Journey to Home Ownership?

Buying your first home is a significant milestone, and we’re here to help you achieve it. Whether you’re just starting to save or you’re ready to apply for a home loan, we can guide you every step of the way.

Get in Touch with OneStop Financial Solutions Today

Don’t let the complexities of applying for a mortgage hold you back from becoming a home owner. Contact your local mortgage broker at OneStop Financial Solutions and let us help you get into your first home.

First Home Buyer FAQs

How much deposit do I need to buy my first home?

You’ll need a deposit of at least 5% of the purchase price of your nz home. Ideally, a 20% deposit is preferred.

Can I use my KiwiSaver for a house deposit?

Yes, first-home buyers can withdraw KiwiSaver savings to use as a deposit towards your new home, provided you meet certain criteria.

How do I know if I'm eligible for a first home loan?

Eligibility criteria can vary depending on the specific loan and lender. As your mortgage broker, we can assess your situation and help determine which loans you may qualify for.

What's the difference between fixed and floating mortgage rates?

Fixed rates remain the same for a set period, offering stability in repayments. Floating rates can fluctuate with the market, potentially offering more flexibility but less certainty.

Remember, buying a first home is a journey, and we’re here to guide you every step of the way. From explaining mortgage interest rates to helping you navigate the buying process, OneStop Financial Solutions is your trusted partner in achieving the dream of home ownership.

Don’t let this opportunity pass you by. Talk to us today and take the first step towards owning your first home!