First Home Buyers

From KiwiSaver and First Home Grant applications to understanding Sale & Purchase Agreements, we’ll walk you through each step. We explain the details in plain language, ensuring you know your rights and obligations before signing anything. With our guidance, you can enter the property market with confidence and security.

For most first-home buyers, KiwiSaver is a key part of the journey. If you’ve been contributing for at least three years, you may be able to use these funds toward your purchase. The application process can be complex, and strict rules apply — particularly around deposits — so it’s important to seek advice early to avoid unnecessary delays.

It’s also important to know that the First Home Grant, which previously provided up to $10,000 for eligible buyers, has now been discontinued. While this support is no longer available, there are still options such as Kāinga Ora’s First Home Loan, which may allow you to secure a mortgage with as little as a 5% deposit, subject to conditions. We can help you understand whether this pathway is right for you.

Beyond finance, we’ll ensure your purchase agreement is properly tailored to protect your interests. This might include conditions around finance approval, building reports, or council checks. Each clause matters, and getting the details right at the start can prevent costly problems later.

Finally, purchasing your first home isn’t just about legal documents — it’s about planning for your future. We’ll guide you through the practical steps, explain the legal requirements, and connect you with the right professionals along the way. With clear advice and support, you can focus on the excitement of owning your first home, while we take care of the fine print.