Just Getting Started? We’ll Help You Build Your First Home Deposit

You’ve taken the first step by completing the Home Readiness Quiz - and it shows you’re in the early stages of your first home buying journey. Right now, the focus is on building your deposit, reducing or avoiding debt, and reshaping your budget to prepare for homeownership.

At this stage, it can feel like a mountain to climb. The good news? With the right tools and advice, you can start making real progress sooner than you think.

Your Next Step: Talk to an Adviser

The best thing you can do now is to book a free call with a First Home Buyers Club Adviser. From there, we’ll build a tailored plan that brings your first home closer. Together, we’ll define your goal, map out the steps to get there, and guide you through the process so you feel supported every step of the way.

Let’s get the ball rolling by booking a call with our First Home Buyers Adviser

HEADING “How We Can Help”

KiwiSaver Optimisation

KiwiSaver is most likely your biggest contribution to your first home deposit. If used effectively, it can be incredibly. We’ll make sure your KiwiSaver is optimised to get you to your target deposit sooner.

Home Loan Affordability Check

We’ll help you understand what customer behaviour the banks will look for and how much you may be able to borrow, giving you areas for improvement to focus on.

Getting on Top of Debt

If debt is an issue for you, we can help with a plan to overcome it and ensure it isn’t preventing you from being able to apply for a home loan. Learn how paying down personal loans, credit cards or Buy Now Pay Later balances can speed up your path to homeownership. ➡️ Read our [Debt Blog]

Budgeting Support

Get on top of your day-to-day spending. Track your money with Pocketsmith

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First Home Buying Tips

Download our free First Home Buyers eBook for practical budgeting tips.