Buy Your First Home

Your journey to owning your first home starts here!

At Plaxo Mortgages, we’ll make sure it’s smooth and stress-free. From exploring your options to securing pre-approval, we’re here to help you take that first step with confidence.

Talk To An Expert

Where Can Your Deposit Come From?

Your deposit is the first step toward home ownership. Here are some common ways to gather it:

✓

Savings:

Regularly setting aside money can help build your deposit over time.

✓

Gifted Funds:

Many first-home buyers receive financial help from family or friends. A gift letter may be required to verify the funds.

✓

KiwiSaver:

If you've been contributing to KiwiSaver, you may be eligible to withdraw funds for your first home.

How Plaxo Mortgage Advisers Can Help

Our team will guide you through every step of the process:

✓

Expert Advice:

We’ll explain your options and help you choose the right mortgage solution from over 20 lenders.

✓

Pre-Approval Support:

Get pre-approved so you know how much you can afford.

✓

Tailored Solutions:

We'll match you with lenders who understand first-home buyers.

Q: How much deposit do I need to buy my first home?

A: Generally, you'll need at least 10–20% of the property's value, but there are options for smaller deposits in certain situations.

Q: Can I withdraw most of my KiwiSaver savings for my first home?

A: You can withdraw most of your KiwiSaver savings for first home.

Q: What first-home support options are currently available?

A: If you qualify, you could receive a grant of up to $10,000 through Kāinga Ora for a new build, or up to $5,000 for an existing home.

Q: What if I have a small deposit?

A: We can explore low-deposit or guarantor options to help you get started.

Start Your Journey

Let's Make It Happen

Ready to take the first step? Contact Plaxo Mortgages today, and let’s turn your dream of owning a home into reality.

Free Consultation

Free Enquiry

Stay in the Loop with Plaxo

Get simple updates on the housing market and interest rates, plus practical tips for buying a home and managing your mortgage – straight to your inbox.