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Kiwi First Home Buyer? We've got you.

Buying your first home is overwhelming. So much to know, so much to do - you aren't alone, feeling this way. That's where we can help - we've helped many kiwi first home buyers get into their first homes. Whether you are an Auckland First Home, or buying in Wellington or in any other area in New Zealand, we can help.

Ready to step towards homeownership and buy your first home?

We understand that this journey can be both thrilling and daunting. That's why we specifically focus on Kiwi First Home buyers - especially if you are looking a Auckland First Home, where house prices and cost of living are highest. We help you through the process and help you achieve your homeownership dreams of buying your first home with the expertise of our dedicated mortgage advisers (also known as mortgage brokers).  

Auckland First Home

Ready to own your first home?

Leave us with some info about your situation using our secure online portal link below. One of our Mortgage Brokers will be in touch right away.

Here's how we help you buy your first home.

Free Chat

Contact us for a free, no-obligation consultation. We'll discuss your homeownership goals, get to know each other and answer any questions you may have. 

Financial Assessment

Our expert mortgage brokers will assess your financial position to help you determine how much you can afford. We'll also explore your mortgage options.

Mortgage Approval

We'll work with our lending partners to secure a pre-approval for your mortgage, giving you a clear budget and making your home search more efficient.

Home Search

With your pre-approval in hand, you can confidently start your home search. Our team can connect you with real estate agents and offer advice on properties within your budget. 

Mortgage Structure

Once you've found your home, we'll negotiate with lenders on your behalf to secure the best mortgage terms. We will advise you on the mortgage structure that best suits your own situation.


Our team ensures a smooth settlement process, so you can move into your new home with ease and become a proud homeowner.

Purchasing your home is a significant achievement!

Our team at Vive is here to make the journey as smooth and successful as possible. By choosing to work with our experienced mortgage brokers, you're taking a confident step towards homeownership. Contact us today to get started on the path to your first home. We have a special place for New Zealand First Home Buyers.

First Home Buyers FAQs

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

Banks typically prefer a 20% deposit. However, there are government schemes and exemptions to rules that only require 5% - 10% deposit. This includes First Home Loan and First Home Partner grants offered by Kainga Ora.

Can I use my KiwiSaver to buy my first home? 

If you have been a KiwiSaver member for three years – you might be eligible to use your KiwiSaver savings to contribute towards your first home's deposit, providing a valuable boost to your deposit. However at least $1,000 must remain in your KiwiSaver account.  

You can check full eligibility here.  

To apply - You will need to contact your KiwiSaver provider for approval. Once approved, you should get a confirmation letter which states how much you can withdraw for your first home.

What is the First Home Grant? 

If you’ve been contributing to your KiwiSaver for at least three years, you may be eligible for a First Home Grant. How much you receive depends on things like your income and the type of home you want to buy. 

For existing homes, the First home Grant can provide $1,000 per year that you’ve been in KiwiSaver - up to a maximum $5,000 (five-years) per person. Therefore, if you are a couple and you both qualify for the grant, you could receive up to $10,000 towards your first home.  

For newbuild homes, the first home grant can provide $2,000 per year that you’ve been in KiwiSaver - up to a maximum of $10,000 (five-years) per person. Therefore, if you are a couple and you both qualify for the grant, you could receive up to $20,000 towards your first home. 

Check our blog articles related home loans.


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