First Home Buyer Mortgage Broker Tauranga
Buying your first home in Tauranga? I make it simple — from 5% deposits to KiwiSaver, I guide you every step of the way.
Buying your first home can feel overwhelming — especially in Tauranga where the competition is tough, the prices move fast, and the banks don’t always make things easy.
I’m Eddie Biesenbach, a mobile mortgage broker with 20+ years’ experience, helping first-home buyers across Papamoa, Mount Maunganui, Pyes Pa, Bethlehem, Greerton, Welcome Bay, and the wider Bay of Plenty.
Whether you’re just starting your savings journey or ready to make an offer this week, I’ll help you understand your options clearly and get you into your first home with confidence.
Why This Matters
Buying your first home is exciting — but Tauranga’s property market has its own rules.
Local banks treat older homes, coastal zones and new-builds differently. Some suburbs have extra insurance checks. Others qualify more easily for low-deposit lending.
That’s where my local knowledge makes a real difference.
I help you avoid common approval killers such as:
• choosing a home the banks won’t lend on
• failing Healthy Homes requirements
• deposit structure issues
• misunderstandings of KiwiSaver rules
• incorrect income presentation to lenders
You get clear, honest guidance — no jargon, no pressure.
What I Do For First Home Buyers
Low-Deposit Pathways (5%–10%)
Most first-home buyers don’t have 20%.
That’s normal.
I structure your application around low-deposit lending options and help you build a plan that fits the current rules.
KiwiSaver Withdrawal Support
I sort the KiwiSaver paperwork, explain what you can use, and ensure you meet the timing requirements for settlement.
Family Guarantee / Limited Guarantee Options
If your parents want to help, I can structure a safe limited guarantee that protects their home while boosting your borrowing power.
Bank vs Non-Bank Options
If your bank says “no”, another lender may say “yes”.
I work across 16+ lenders to find the right fit for your income and deposit.
Local Property Guidance
I help you understand what the banks see when you buy in areas like:
• Papamoa East (new builds + good low-deposit options)
• Greerton/Judea (older stock — extra checks required)
• The Lakes/Pyes Pa (competitive — pre-approvals essential)
Ongoing Support
I stay with you through pre-approval, the offer, the LIM, the valuation, and settlement.
You’re never on your own.
Local First-Home Buyer Case Study (Papamoa East)
Brooke and Nathan — Papamoa East
This couple thought they needed a bigger deposit before they could buy. We combined their KiwiSaver withdrawals, a small family gift, and careful income structuring.
Result:
Pre-approval in 4 days, and they bought their first home in Parton Road, Papamoa East.
Now we’re already planning ways to pay their loan 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 talk about your goals, your deposit, your KiwiSaver balance, and what you’re aiming to buy in Tauranga.
I calculate your borrowing power, structure your deposit correctly, and compare multiple lenders — including those offering low-deposit options.
I handle the paperwork and lender conversations so you get a clean pre-approval.
This is crucial for homes in Pyes Pa, The Lakes, and Mount Maunganui, where properties sell fast.
I guide you through the offer, valuation, KiwiSaver timeline, and settlement.
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.
