Start your first home journey here
We are your personal guide throughout your home‑buying journey.
Purchasing your first home and don’t know where to start?
Home loans start from a 5% deposit.
We’re your guide through every step – not just the approval. Access our industry experts: lawyers, building inspectors & KiwiSaver specialists.
One‑on‑one guidance through the home‑buying process
We provide free pre-approval guidance to help you understand your borrowing power and get your home-buying journey started with confidence.
Our team can assist you in accessing KiwiSaver funds and First Home Grants, and we work with lenders who offer home loans starting from just a 5% deposit. We’ll help you with budget planning and lender matching to ensure you’re in the best position for approval.
Along the way, we explain the legal and offer processes so you know exactly what to expect, and we negotiate with multiple banks on your behalf – not just your current one – to secure the most competitive terms possible.
Why choose Home Loan Factory for your first home?
Over 450 five‑star Google reviews from clients across NZ.
Our advice is free for most clients – see our fee‑free guarantee.
We work with all major NZ lenders.
Available and responsive advisers who genuinely care.
How much deposit do I need?
Starting from 5%, which can include your KiwiSaver.
How much will you charge me?
See our Fee‑Free Guarantee – for most clients, our advice comes at no cost.
Can I buy my first home with friends or family?
Generally yes – but some lenders are more flexible than others.
I don’t have a good credit score - can I still buy?
We’ll pull a free credit check before we approach any lender and advocate for you – no judgment, just process.
Helpful resources for first home buyers
Buying your first home doesn’t have to be overwhelming
Start your first home journey now!