First Home Buyers · New Zealand
Find out what you could afford, what options may be available to you, and what to do next.
Buying your first home can feel overwhelming. Get a clear picture of your borrowing position, deposit options and potential pathways before you start house hunting.
Your free first home buyer check includes
Get your free check
Takes under a minute. A FundMaster Wealth adviser will be in touch.
Where most people get stuck
You don't have to figure it all out yourself.
Before you start scrolling through property listings, get clarity on the numbers that matter.
Understand your potential borrowing range based on your income, deposit and financial commitments.
Explore what may be possible with your current savings and other potential deposit pathways.
Look beyond the purchase price and understand repayments, lending costs and your overall financial position.
Explore lending options based on your circumstances and long-term goals.
Quick check
Get an initial estimate before you start house hunting.
Use our quick calculator to get an indication of your potential borrowing position.
A calculator gives you an estimate. Your actual borrowing position depends on your complete financial circumstances.
Get My Free AssessmentQuick check
Indicative purchase price
$0
Based on the figures you entered. Indicative only.
Deposit pathways
There may be more options than you think.
Your deposit is an important part of buying your first home, but it may not be the only factor. Depending on your circumstances, potential pathways may include:
Understand whether your KiwiSaver could contribute towards your first home.
Find out whether you may be eligible for any available government support.
Explore whether family assistance could form part of your home-buying strategy.
Understand how your current savings could work towards your purchase.
Explore whether lending options with a lower deposit may be available to you.
Eligibility criteria, lending requirements and government schemes can change. Your adviser can help you understand what may apply to your circumstances.
Before you start house hunting
A little preparation now can make the home-buying journey much easier.
Understand what you may realistically be able to borrow.
Know what your potential mortgage could mean for your budget.
Understand how much you have and what other options may be available.
Explore options across different lenders and loan structures.
Know where you stand before you find the property you love.
Why FundMaster Wealth
Your first home deserves a well-thought-out plan.
Buying your first home is a major financial decision. Having the right advice early can help you approach it with greater clarity and confidence.
Explore lending options from a range of lenders.
Get guidance from advisers who understand the lending process.
Your advice is based on your income, deposit, goals and circumstances.
Get support through the lending journey, from initial assessment to settlement.
Real journeys
Real people. Real first homes. Real journeys.
You don't need to have everything figured out before you begin. Hear from first-home buyers who worked with FundMaster Wealth to move from uncertainty to owning their home.
“Go talk to the guys at Fundmaster because they will set you up with goals that will achieve your end result, which is buying a house.”
“Other brokers declined me. I saw a Fundmaster ad on Facebook and reached out. They worked really hard on my mortgage and got it sorted.”
“My application was one of the toughest, but Rochelle, Dave and the team stood by us and got us into our first home. Highly recommend Fundmaster.”
Borrowing power calculator
Check your estimated borrowing power.
Thinking about buying your first home? Use our borrowing power calculator to get an initial estimate based on your income, deposit and financial commitments.
A borrowing calculator can give you a starting point. A personalised assessment can give you a clearer picture of what may actually be possible.
Speak with a FundMaster Wealth adviser about your circumstances.
Speak to a FundMaster Wealth AdviserCalculator
Estimated borrowing power
$0
Indicative only — not an offer of lending.
Calculator results are indicative only and do not constitute financial advice or lending approval.
Your next step
Let's look at your numbers and work out your next step.
Whether you're saving your first deposit, exploring your borrowing options or already looking at properties, start with a conversation.
Quick check
Get your free First Home Buyer Check — no cost, no obligation.
