First Home Buyers


Buying your first home is one of the biggest projects you’ll ever take on. It can be stressful, and there are lots of decisions to make and things to think about. But don’t worry, we’re here to help!

By getting pre-approval, we’ll prepare you so that you can start house hunting with confidence and take action as soon as the right opportunity comes along.

Ready to get started?
Are you ready to go to auction?

Help from Mum and Dad

So you want to buy your first home but don’t have enough saved?The good news is your parents can gift you some (or all) of the deposit or act as guarantors.

Learn more about how to buy your first home using the bank of Mum and Dad…

First home buyers guide

Buying a property is a big investment. Learning what to look for and avoiding common pitfuls is essential if you want to set yourself up for a bright and prosperous future.

Read our first home buyers guide and go through the pre-approval checklist…

Using your Kiwisaver

Using your KiwiSaver funds is a great way of getting together a larger deposit. However, there are a number of requirements you’ll need to meet before you can do this.

Learn more about KiwiSaver withdrawal conditions…

Frequently asked questions

How much can I borrow?

Using our calculator to see how much you could borrow based on your income…

What about Welcome Home Loans?

Taking advantage of the governments Welcome Home Loan scheme is a great way to get together a deposit…

What about insurance?

House and contents, mortgage protection and income insurance are all tools that can be used to secure your investment…

Why work with iRefi?

Working with a broker (like us) has it’s advantages. Learn why going straight to the bank may not be the best idea…

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