FIRST HOME BUYER MORTGAGE ADVICE AUCKLAND
Share a few details and an EverBright adviser will contact you to discuss your first-home plans.
We’ll arrange a convenient time to chat about your plans.
We’ll discuss your income, deposit and home buying goals.
You’ll get tailored guidance on your options and the next steps.
Lending experience
Bank and non-bank lenders
Adviser team
NZ brokerage
Different lenders can assess income, deposits, property types and applicant circumstances differently. EverBright helps compare appropriate pathways across its lender network.
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Fang Yixuan
Their team is extremely professional, knowledgeable, and supportive throughout the entire process. They made everything clear and stress-free, always responding promptly to our questions. Highly recommend their services to anyone looking for reliable financial guidance.
Nicole Wu
“I can’t recommend EverBright mortgage broker highly enough! From start to finish, the whole process was handled with professionalism, patience, and genuine care. Explaining every step clearly and always being available to answer questions.”
Z J
“From loan pre-approve to cashback and getting best interest rate, the whole communication was very smooth and efficient.”
Talk to our property finance managers about your project.
Plus all of our advisers work across a range of propertydevelopment projects and are more than happy to discuss.
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A practical guide covering deposits, KiwiSaver, pre-approval, property checks, auctions and settlement timing.
A 20% deposit is common, but you may not always need that much. Lower-deposit lending options may be available depending on your circumstances and the lender, and eligible buyers may qualify for a Kāinga Ora First Home Loan with as little as a 5% deposit. We can help you understand which options may apply to you
Yes, if you meet the eligibility requirements. If you have been a KiwiSaver member for at least three years, you may be able to withdraw most of your KiwiSaver savings toward your first home, while leaving at least $1,000 in your account.
Your borrowing capacity depends on more than just your income. Lenders may consider your deposit, household income, living expenses, existing debts and credit limits, as well as their own lending criteria. We can review your position and give you an indicative idea of what your borrowing range may look like.
Pre-approval gives you an indication of how much a lender may be prepared to lend, subject to conditions. It can help you understand your price range before you start making offers, but it is not a guarantee of final approval — the property and any outstanding lending conditions will still need to be assessed. Kāinga Ora – Homes and Communities
In most standard home loan situations, there is no upfront cost to you for using our mortgage advice service, as we are paid by the lender when your loan settles. If any fee may apply to your situation, we’ll explain this clearly before you proceed.
Yes, family support may be able to form part of your home-buying plan. Depending on the lender and your circumstances, this could include a gifted deposit or other forms of family assistance. We can help you understand how the support may need to be structured and documented.
Potentially. Different lenders have different lending criteria and may assess the same application differently. We can review why your application was declined and explore whether another bank or non-bank lender may be more suitable for your circumstances.
Tell us a little about your plans and an EverBright adviser will contact you to discuss your next step.
