First home buyer?·Australia wide

See if you're eligible to access first homeowner benefits

Buying or building your first home can be more accessible than you think. Thousands of Kiwis don't realise they might qualify. Find out if you're eligible by simply filling out the quiz. One form, no obligation.

First Home Owner Grant Be at least 18 years old Have at least a 5% deposit
An aerial view of an Australian suburb of family homes
Talk it through with a real specialistNo pressure, just your options explained.
8states & territories 60 secto check 5% depositor more to qualify
Why NZ First Home

Your fast, simple and secure path to getting a first home owner grant

NZ First Home is your trusted partner in matching you with fast, secure and hassle-free real estate experts, designed to help you understand if you can get a first home owner grant.

Flexible

Our quiz helps you find eligible options.

No risk

No costs to use and zero obligations. Our partners fund this free service.

Fast

On average it takes less than a couple of minutes to check your eligibility.

Secure

Our website uses the latest SSL technologies to protect your data.

Simple

We have made it easy as it can be to find out if you qualify.

Helps you

This service is designed to help you find out if you can get a first home owner grant.

Getting your first home has never been easier!

01

Apply

Take the quiz from your phone, tablet or desktop to find out if you're eligible for the first home guarantee.

02

Receive a call

You will receive a consultation to assess your first home owner application with zero obligations to proceed.

03

Get the grant

Compare and review your options easily with the help of a first home owner specialist.

Eligibility

Are you eligible for a first home owner grant?

To be eligible for a first home owner grant you must:

  • Be at least 18 years old
  • Never received a First Home Owner Grant
  • Have at least a 5% depositMost first home buyers will still need some savings to cover things like deposits and fees.
START ELIGIBILITY CHECK YOU'RE ELIGIBLE MATCHED $ GRANT
Joined by 10,000+ Kiwis
Our track record
10,000+

Kiwis helped

We've helped over 10,000 Kiwis explore their options, using our matchmaking service to connect first home buyers like you with home loan specialists from our panel.

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Good to know

Your questions, answered

What are the steps to buying my first home?

The home buying process typically involves the following steps:

  • Taking our 60 second quiz to see if you're eligible.
  • Speak to a home loan specialist once you are eligible.
  • Get Pre-Approved: Obtain pre-approval for a mortgage to know your budget.
  • Start Your Search: Look for properties that meet your criteria.
  • Visit Properties: Schedule viewings to see the properties in person.
  • Make an Offer: Submit an offer on a property you like.
  • Secure Financing: Finalize your mortgage with a lender.
  • Close the Deal: Complete the legal paperwork and finalize the purchase.
  • Move In: Collect the keys and move into your new home!
How much deposit do I need to buy my first home?
Most lenders in New Zealand require a deposit of at least 10-20% of the property's purchase price. However, some lenders may accept lower deposits, often requiring you to pay lenders mortgage insurance (LMI) or higher interest rates. Fill in our 60-second quiz to see if you're eligible to buy your first home.
How do I improve my chances of getting a mortgage?

To improve your chances of getting a mortgage:

  • Maintain a good credit score.
  • Save a substantial deposit.
  • Manage existing debts and keep your debt-to-income ratio low.
  • Ensure stable and sufficient income.
  • Provide all necessary documentation to the lender.

Fill in our 60-second quiz to see if you're eligible to buy your first home.

How long does the home buying process take?
The time frame can vary, but generally, it takes a few months from starting your property search to closing the deal. Pre-approval can take a few days to a few weeks, finding a property can take a few weeks to several months, and closing can take 30-60 days after an offer is accepted. Take our 60 second quiz to get started.
What is the difference between fixed and variable interest rates?

Fixed Interest Rate: The interest rate remains the same for a set period, providing predictable mortgage payments.

Variable Interest Rate: The interest rate can change over time, often in line with market interest rates, which can lead to fluctuating mortgage payments.

Ready to get started?

See if you qualify for a first home guarantee and purchase your new property.