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Saving a 20 per cent deposit can feel like one of the biggest barriers to buying your first home.
With rising living costs and property prices, reaching that goal can take time even with strong saving habits.
However, a full 20 per cent deposit isn’t always required.
At NZHL Pukekohe, we help people understand the options. This can include how a KiwiSaver first-home withdrawal may form part of your deposit alongside savings or eligible other funds.
We can also help explore Kāinga Ora First Home Loan options, which may allow you to
purchase with a smaller deposit.
As with all lending, this is subject to criteria such as affordability, property requirements and Kāinga Ora eligibility.
We will help you understand what is affordable, which options may be available and how loan structure might support you over the longer term, beyond settlement. We will explain the process, prepare you for lender requirements and help you move forward with confidence.
Buying a first home is a big step, but you don’t have to navigate it alone. Speaking with one of our advisers at NZHL Pukekohe can be a helpful in understanding what might be possible.
