First Home Buyers · New Zealand
Get clarity on your borrowing, deposit and home-buying options before you start house hunting.
Your free first home buyer check includes
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Share a few details and a Fundmaster Wealth adviser will be in touch.
Get your free check
Takes under a minute. AFundmaster 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
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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.
WhyFundmaster Wealth
Your first home deserves a well-thought-out plan.
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.
Testimonials
We had no idea where to start. Fundmaster Wealth walked us through every step and got us approved when two banks had already said no. We moved in six weeks later.
I wanted to grow my portfolio but didn't know how to structure the lending. Fundmaster wealth helped me access equity from my existing home to buy my second property.
Refinancing saved us over $400 a month. The team then built us a full wealth plan KiwiSaver, insurance, the works. Genuinely life-changing advice.
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.
Talk to an 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.
