Are You A First Home Buyer?

GET YOUR FIRST HOME WITH US.

a couple moving in their first home

WE DO I START?

When you’re buying your first home there are lots of things that seem stressful and complicated.

It’s sad but true that there are lot’s of things that can go wrong, and without getting it right the very first time things get expensive fast. That’s where a good mortgage broker that has your best interests in mind is your best asset. We only get paid upon results so we have almost as much skin in the game as you! More importantly, this is what we love and we just so happen to be very good at it – or so our clients tell us!

Can I use my KiwiSaver?

As a first home buyer you can withdraw KiwiSaver contributions made by you and your employer to use as a deposit towards your new home, you must leave $1,000 in there but you can effectively use everything else. You can only do this if you’ve been contributing to KiwiSaver for more than three years.

KAINGA ORA (GOVERNMENT) FIRST HOME LOAN & GRANT

First Home Grant

This is free money towards your house deposit. This benefit is subject to income and house price caps (dependant on location). The income cap is $95k for a single person and $150k combined income for a joint application. To see the house price caps for your area visit the government’s site.

First Home Loan

This helps you obtain lending with just a 5% deposit. It is very important to note however, that the lending is still done through banks and is subject to their usual lending criteria, meaning that just having the 5% deposit isn’t always enough. If you are looking at taking advantage of this, using a mortgage broker is so important. Only a select few banks offer this and choosing the right one for you the first time makes all the difference.

HOW DO I ACTUALLY GET MY KIWISAVER OUT?

As soon as you purchase a house you’ll need to apply to withdraw your KiwiSaver funds. The funds are transferred directly to your solicitor for settlement.

It is important to note that you cannot use your KiwiSaver funds for the initial deposit (usually 10% payable upon going unconditional) due to KiwiSaver funds only being released upon settlement. Therefore, you’ll need to make other arrangements for this amount such as a deposit bond, which we can help you with.

Get our advice for free

Great advice usually has a cost, but our expertise is free to first home buyers because the bank pays us! Banks pay us a commission because we are essentially doing all of the hard work for them. Most importantly we are strictly ‘unaligned’ which means we are not obligated to do business with one particular bank over any other, which means you’re always getting the best options and advice based on which bank is best for you.

READY TO GET STARTED TODAY?

  • NFirst Home Buyers Auckland Wide
  • NMobile Mortgage Brokers
  • NIndependently Owned
  • NSpecific Advice Includes Tailored Debt Reduction Techniques
  • N100% Free Service
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    Social Rating
    5.0
    Based on 15 reviews

    Matt and the One Stop team were incredibly helpful securing my mortgage and insurance. He thought out side the box and worked hard to overcome a few hurdles along the way. He was incredibly professional yet relatable and approachable. He made my first home buying experience incredibly smooth and easy. Thanks Matt!
    Gavin Woodward
    Gavin Woodward
    21:57 19 Oct 21
    A great help. made things so much easier for us
    Baby Online
    Baby Online
    04:58 08 Jun 21
    Wow what can I say, my first home buying went so much smoother than I ever imagined! I knew absolutely nothing about mortgages and Matt had explained everything in terms I could totally understand. He made the whole process smooth and seamless, without much work from us because him and his team had done it all! Thank you so much for everything you've done so far 🙂
    Olivia Atrushi
    Olivia Atrushi
    02:47 08 Jun 21
    Matt Willoughby and TeamProfessional, Caring and ProactiveWords cannot explain how grateful we are to work with Matt and his team to buy our very first home. They made the impossible possible. We were delighted by their professionalism and how proactive they were throughout this whole process. Matt and team got our trust from day 1 cos he showed that they care and will do everything possible to make things work. To Matt, Dave and the rest of the Team Matt Willoughby East Tamaki. Thank you so much for your guys relentless effort. We are proud first home owners and we forever appreciate you.
    ea faletau
    ea faletau
    04:10 16 Apr 21
    Matt was easy to work with and did a great job of negotiating good rates for our mortgage. Our pre-approval came through really quickly thanks to Matt and his team. We found the advice received on how to structure the mortgage very clear and helpful.
    Natalie C
    Natalie C
    08:28 07 Apr 21
    Matt and his team were amazing during the entire house hunting and purchasing process. We crossed the line with a wealth of knowledge thanks to Matt taking the time to simplify and considerately interpret the sometimes confusing nature of having a mortgage. Thanks again.
    Matt Setefano
    Matt Setefano
    19:42 24 Feb 21
    I will recommend Matt to everyone. My partner and I owe him for helping us get into the Auckland property market. Not only is he professional, simplifies the daunting process of purchasing a home. He is always a phone call away when you have any questions (very quick in returning a call).When issues or concerns were raised by the bank, Matt went into fight for us and got us across the line.Thanks Matt, five stars ⭐️ ⭐️⭐️⭐️⭐️
    Paul Norman
    Paul Norman
    05:35 29 Sep 20
    Matt and his team were awesome at helping us into our first home. They were professional, communicative and would go out of their way to ensure that we were tended to at every stage of the process.
    Dominic schryvers
    Dominic schryvers
    23:01 18 Mar 20
    My husband and I had a 3year goal in place to buy our first home. A friend of ours told us about Matt Willoughby so i sent him a text. Matt and his amazing team were able to help us buy our first home in less than 6months. What seems impossible quickly became a reality for us.Although a few hiccups on the way, matt was able to quickly fix it and inform us along the way. Ive seen people go through this process of buying a home and being stressed, but our experience was great! absolutely recommend Matt and his team.Thanks again Matt and team for helping us.
    Vaioleti Atiola
    Vaioleti Atiola
    03:08 21 Feb 20
    Our dream of being first home buyers seemed unreachable until we found Matt! Thankyou so much for the awesome advice and encouragement along the way. Excellent!!
    Melanie Boyce
    Melanie Boyce
    05:06 28 May 19
    We would not have been able to fulfill the kiwi dream and buy our first home if it was not for Matt Willoughby Ltd. They respond quickly and were able to communicate in a way that let us understand the entire process. Will use again for any lending in the future.
    Tim Booth
    Tim Booth
    01:15 23 May 19
    Absolutely fantastic, really communicative and patient for a first-home buyer that hasn't gone through this process before. Would highly recommend his services.
    Shane Henderson
    Shane Henderson
    03:24 08 Mar 19
    Matt Willoughby you have helped both me and my partner so much! You have exceeded all expectations and gone above and beyond! Matt helped me and my partner re-finance our mortgage he helped us with everything! It was a struggle as it felt like everything that could go wrong went wrong but he persevered and not only got us a "good" interest rate he got us the BEST interest rate and the BEST repayments. I would highly recommend Matt as he makes the impossible happen and doesn’t pass that stress on! Matt you are amazing take credit you deserve this so much you literally ease the stress and you take the weight off your client’s shoulders! You have done an amazing great job Thank you SOOOOOOOOOOOOOO MUCH 100+ Stars 🙂
    Flo & Geoff
    Flo & Geoff
    20:45 20 Dec 18
    So helpful! Matt helped secure us a really good rate with great cash back and a loan structure that will take years off our mortgage!
    Laura Thompson
    Laura Thompson
    20:10 06 Dec 18
    SAME PEOPLE, NEW BRAND
    Hi there, we have moved from mattwilloughby.co.nz to our new home onestopfinancial.co.nz. If you have any question, please contact us. Otherwise, welcome to our new site!