Whether you're just starting to think about it, ready to apply for pre-approval, or already house hunting, we've broken the journey down into clear stages so you know what to focus on based on where you're at now.

From getting your finances in shape, to knowing what to look for in a property, through to making an offer and heading to settlement day, you'll find practical guidance to help you move forward with confidence.

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Where are you in your first home buyer journey?

Eligibility

1. Starting to think about buying

Been saving for a house deposit and aiming to buy in the next year or so? We’ve got some tips to help you get on the right track.

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home borrow

2. Planning to buy in 6 months

It's time to get clear on what you can realistically afford and whether your current habits are getting you there. Our guide covers how to put yourself in the best position to be approved.

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family

3. Ready for pre-approval and house hunting

Getting closer to buying? Here's what you need to know about getting pre-approved, along with tips on what to look for when you're house hunting.

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House-Hunting

4. Ready to make an offer

Found a place you love? Before making an offer, make sure you’ve done your checks and understand the conditions, and be clear on what happens next through to settlement.

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Home Loan Options

First Home Together

If you've saved at least 10%, our First Home Together package could boost your deposit with up to 10% interest-free deposit help.

Low-deposit Home Loans

If you have less than 20% deposit and First Home Together isn't right for you, you can apply for a high-LVR home loan.

First Step -> Starting to think about buying

Getting first home buyer ready

Other Useful Resources

Settled

Settled is run by the Real Estate Authority in New Zealand and provides guides about how to buy a home, with a section dedicated to First Home Buyers.

Sorted

Sorted is an independent and impartial service, providing tools, guides, calculators, and blogs to help Kiwis get ahead financially.

The website includes tips for first home buyers from saving for a deposit to additional costs to consider.

Police Super Scheme

Find out how you can apply to use your PSS savings towards buying your first home.

The fine print

Normal lending criteria and a $100 establishment fee applies to all new loans.

See our Terms, Conditions, and Loan Agreements.