First Home Buyers in Auckland

Getting into your first home is one of the biggest decisions of your life. We make sure you go in prepared, not overwhelmed.

First Home Buyers

You don't have to figure this out alone.

The first home buying process in New Zealand involves more moving parts than most people expect: KiwiSaver withdrawals, the Kāinga Ora First Home Loan, deposit requirements, pre-approval timelines, and the auction process. Most first-time buyers don't know what they don't know.

At Indus Mortgages, we walk you through every step. Soumya in particular has a genuine passion for helping first home buyers. She understands the anxiety, the excitement, and the importance of getting it right.

We compare our panel of 20+ lenders to find the most competitive rate and terms for your situation, and we handle every piece of paperwork from pre-approval through to settlement.

If you are still working out the numbers, our borrowing power estimator gives you a starting figure based on your income, debts and deposit, and our article on what NZ first home buyers actually need for a deposit explains why the 20% rule stops far more people than it should.

Start Your Application

Government Schemes

First home support available to you

Many first home buyers leave money on the table by not knowing what they're entitled to. We make sure you access every scheme available to you.

KiwiSaver First Home Withdrawal

After 3 years of KiwiSaver contributions, you may be able to withdraw most of your balance to put toward your deposit. We help you understand how much you can access and when.

First Home Loan (5% Deposit)

Kainga Ora's First Home Loan lets eligible buyers purchase with as little as a 5% deposit. Standard bank lending typically requires 20%. We assess your eligibility and match you to the right lender.

Low Deposit Lending

Some lenders on our panel will lend with as little as a 5-10% deposit to buyers who don't qualify for government schemes. We know which lenders take a more flexible view and how to present your application.

Pre-Approval

A pre-approval letter tells you exactly how much you can borrow before you start house hunting. It strengthens your position at auction and gives you confidence at open homes.

Buying at Auction

Auckland's auction market can be daunting. We help you understand the process, know your limit, and have finance ready to go so you're not scrambling after the hammer falls.

How It Works

From first conversation to keys in hand

01

Free consultation

We learn about your income, savings, KiwiSaver balance, and goals. No obligation, no credit checks at this stage.

02

Assess your eligibility

We check what government schemes you qualify for and how much you can realistically borrow across our lender panel.

03

Secure pre-approval

We prepare your application and get you a pre-approval so you can house-hunt with confidence and a clear budget.

04

Find your home

You search for the right property while we remain on standby to move quickly when you find the one.

05

Settlement

Once your offer is accepted, we activate the full loan, manage lender communication, and get you to the finish line.

What you'll need to get started

Proof of income (payslips or bank statements)
Last 3 months of bank statements
Photo ID (passport or driver licence)
KiwiSaver balance statement
Details of any existing debts or liabilities
Proof of savings (deposit funds)

Book a Free Consult

Run The Numbers

Calculators for your first home

Borrowing power estimator

An indicative figure for what you could borrow, based on your income, existing debts and the deposit you have saved.

Mortgage repayment calculator

Turn an asking price into a weekly, fortnightly or monthly repayment before you walk into an open home.

Reading for first home buyers

What NZ first home buyers actually need for a deposit

KiwiSaver, the Kāinga Ora First Home Loan and the low-deposit pathways, explained without the myths.

KiwiSaver first home withdrawal: what you actually get

Who qualifies, how much of your balance you can take out, and how it works alongside a low-deposit loan.

Guide to getting pre-approved for a mortgage

The steps to secure pre-approval, and why it strengthens your position at an Auckland auction.

5.0

80+ Google reviews

What our clients are saying.

Real reviews from real Auckland families we've helped through their mortgage journey.

“Soumya from Indus Mortgages made my first home-buying experience smooth and stress-free. She explained everything clearly, kept me updated at every step, and went above and beyond to secure the best deal.”

“Thanks to Soumya for assisting us to buy our new house. When speaking with Soumya it’s always like talking with a friend. Answers promptly to the calls, though she is busy at times. Highly recommended.”

“Excellent service. They guided us through every step and helped us secure the best option for our home loan. Thanks for the great support, especially for Soumya and Santhosh.”

“Soumya is a very approachable advisor. She did her part very well right from the start. There was regular follow up from her which helped us a lot. All the best to Soumya and the entire Indus Mortgages team.”

“We had a truly wonderful experience with Indus Mortgages as we pursued our dream home. Their friendly approach in discussing the banking process, coupled with their genuine advice, instilled great confidence in our decision.”

“Thank you Indus Mortgages for advising me and helping to land my first home. They are so responsive and patient throughout my journey. I highly recommend Soumya Shine in helping you for advice.”

“We are thankful to Soumya for assisting us to buy our first home. The service provided was excellent. Soumya is always approachable, knowledgable and proactive.”

“I had a great experience with Indus Mortgages. Really helpful for the refinancing of my home loan. Highly recommended.”