First Home Buyer Guide to Lending

It's so exciting to see more and more first home buyers entering the market!

Taking the first step in applying for a home loan can be daunting. You're unsure of the process and what your options are. That's where a mortgage advisor comes in! I'm here to help you through every step of the way, answering all your questions and getting you the best result for your situation!

And don't worry, if you're not a first home buyer but looking to purchase a home, this information is also handy for you!

Fiona is a mortgage advisor helping you into your first home.

Buying a home - What's the process?

When buying your first home, often you don't know where to start. That's why I've put together a simplified version of the step-by-step process of what to expect when working with a Mortgage Advisor.

The process of being a first time buyer.

Alongside this, I've created a guide filled with some practical information to help you navigate the home buying process. It explains the steps you can take to prepare to buy your first home, from gathering your deposit funds to presenting your financial situation as best as possible to the bank. You’ll also find out about the different ways to buy a house, different home loan options and the roles of all your professionals you’ll need along the way.

Please follow the link below to have a read.

First Home Buyers Guide

If you'd like to learn more or start the home loan process, feel free to get in touch today and we can create a tailored plan that will be best suit your situation.

Looking forward to hearing from you.

Fiona

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A tip for First Home Buyers

By Fiona De Barre • May 23, 2025
We often see comments online from prospective first home buyers who are eager to purchase their first property but are unsure if they would be able to afford a home loan based on their financial position and credit history.
How refixing, restructuring or refinancing can benefit your home loan.

Refix, restructure or refinance? How to ensure your home loan continues to work for you.

By Fiona De Barre • April 30, 2025
Often clients think that once settlement has been completed, they set and forget about their home loan for the next 30 years. We recommend keeping your lending in the back of your mind, reviewing it every now and then to ensure it still is working in your favour. We're breaking down refixing, restructuring and refinancing to understand how these options may work for you.
How much deposit do you need for an investment property in NZ?

How much deposit do you need for an investment property in NZ?

By Fiona De Barre • March 21, 2025
The process to buying an investment property is fairly similar to buying an owner-occupied property. One of the clear differences between these lending processes is the required deposit.
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