First Home Buyers
Buying your first home? We make it simple — from KiwiSaver to pre-approval, we guide you every step of the way.
Why This Matters
Buying your first home is exciting — but also a bit intimidating. From figuring out if you qualify, to working out your KiwiSaver, deposit, and getting the banks to say yes — it can feel like a maze. That’s why Best Mortgages works one-on-one with first-home buyers across Tauranga and the Bay of Plenty to guide you every step of the way.
We’ll explain how much you can borrow, what documents lenders need, and how to structure your application to improve your approval odds. We also walk you through how KiwiSaver withdrawals actually work, how gifting is handled, and what traps to avoid (like underestimating your buying costs). Whether you’ve got 5% saved, or you’re not sure where to begin, we’ll make it easy to get started — and support you through to moving day. No jargon. No bank pressure. Just smart, local advice from a team who helps first-home buyers every day.
What We Do For You
Loan Negotiation
We compare offers from multiple lenders and negotiate the best terms — so you don’t have to chase banks.
Application Support
We help you complete all paperwork, gather documents, and deal with lender requirements from start to finish.
Rate & Structure Comparison
We find the loan structure that fits your goals — not just the lowest rate.
KiwiSaver & Deposit Help
We’ll guide you through using KiwiSaver or applying for First Home Grants in the smartest way possible.
Specialist Lending
Self-employed? Low deposit? Credit hiccups? We find flexible options where banks say no.
Ongoing Support
You get real advice, regular updates, and personal support — even after you’re approved.
Local Client Story
Brooke and Nathan were renting in Papamoa East and thought they’d need to save for at least another year. After a free chat, we worked out they could access their KiwiSaver, combine it with a family gift, and meet the bank’s 10% deposit requirement. We pre-approved them in four days, helped them understand their purchase costs, and stayed in touch right through to settlement. Now they’re in a sunny two-bed duplex just off Parton Road — and already planning their next goal: paying it down faster.
Here’s How It Works
We keep things simple and stress-free. Our process is designed to help you move forward with confidence — no bank speak, no wasted time.
We start with a free call to understand your goals and borrowing ability.
We compare lenders, structure the right loan, and explain everything clearly.
We handle the paperwork, deal with the banks, and lock in your pre-approval.
We guide you through to settlement — and stay in touch long after.
Your Questions, Answered
How much deposit do I need for my first home?
Usually around 10% — but some lenders accept less with the right structure. We’ll help you combine KiwiSaver, gifting, and savings into a strong application.
Can I use KiwiSaver to buy my first home?
Yes — if you’ve contributed regularly, you can usually withdraw a large portion. We’ll guide you through the steps, timelines, and any bank rules around it.
What if I’ve never applied for a mortgage before?
That’s normal — we help first-home buyers every day. We’ll explain what lenders look for, how to present your situation, and what documents to prepare.
Can I still get approved if I’ve been declined by a bank?
Often, yes. Banks have different criteria. We work with both bank and non-bank lenders to find someone who fits your income, deposit, and goals.
Do I need to be buying in Tauranga to work with you?
Not at all — we help first-home buyers in Papamoa, Pyes Pa, Mount Maunganui, and across NZ. But if you’re in Tauranga, we’re happy to meet face-to-face too.
Talk to Someone Who Actually Listens.
Real answers. No pressure. 100% free expert guidance to get you sorted.
Whether you’re buying your first home, refinancing for a better deal, or planning your next investment move, now’s the perfect time to get expert advice. Our friendly team at Best Mortgages is based right here in Tauranga and helps Kiwis across the Bay of Plenty make sense of these market shifts. We speak plain English (and a bit of Kiwi slang when needed) and work for you – not the banks – to find the right solution.
Ready to explore your options? Contact us today for a free, no-obligation chat and we’ll walk you through the latest rates, rules, and opportunities tailored to your goals. Let’s turn those property dreams into reality this spring – we’re only a phone call or coffee catch-up away. See our reviews to know why we are called the best. Also stay up to date with our latest news for the best tips and advice.
Best Mortgages — Operated by Ewald Biesenbach (FSP 320426) under The Best Limited (FSP 724451 – NZBN 9429043352067). Licensed under the Financial Services Legislation Act 2019.
