Getting onto the property ladder is a huge milestone – and a big commitment. Whether you’re just starting to explore or ready to buy, Vega is here to help make the process smooth, stress-free, and tailored to you.
We work with first home buyers across New Zealand, helping them secure the best mortgage rates and terms from our panel of 20+ lenders.
You’ll get expert advice, personalised options, and support from start to settlement. No guesswork, no bank jargon, no pressure.
Connect with an expert
Why Use a Mortgage Adviser for Your First Home Loan?
When it comes to buying your first home, you don’t need to figure it out alone.
At Vega, we do more than just compare home loan rates. We take time to understand your goals, budget, and unique circumstances, then match you with the lender most likely to say yes – saving you time, money, and hassle in the process.
Whether you’re early in the journey or have already found your dream home, we’ll help you:
- Understand what you can borrow
- Secure pre-approval (so you can house hunt with confidence)
- Compare rates, fees, and loan features
- Choose between fixed and floating interest rates
- Navigate lender requirements and paperwork
- Access low deposit home loan options (yes, it’s possible!)
What support is available for First Home Buyers?
There are several ways to strengthen your position as a first home buyer:
Pre-approved Mortgage
Gaining mortgage pre-approval serves two really important purposes:
- You get peace of mind, knowing that getting the house you want isn’t conditional on getting the loan.
- You know exactly what you can afford to spend on buying your first home.
Knowing these two points reduces stress, and that's got to be a good thing.
Access your KiwiSaver
If you’ve been contributing to KiwiSaver for more than 3 years, you could use a substantial sum of that money towards buying your first home. The $1,000 government kickstart contribution has to stay in the scheme. Talk to us about the details with this option.
Get access to a mortgage with a smaller deposit
Many lenders accept less than a 20% deposit, especially for first-time buyers. We’ll guide you through what’s possible – and what to be aware of when going this route.
Access a First Home Loan
First Home Loan gives a helping hand when buying your first home by lowering the deposit required from the more standard 20% to only 5%. First Home Loans are only available through select banks and lenders and are underwritten by Kāinga Ora – Homes and Communities. Accessing this type of loan has plenty of restrictions which are explained on the Kāinga Ora website.
Access a Co-Ownership Scheme
If you’ve got a steady job, have been contributing to KiwiSaver, and have some savings—but not quite enough for a home loan—shared ownership might help you get a foot in the door. We partner with YouOwn, who offer this alternative to low-equity bank loans.
What to expect when working with Vega
Here’s how we help first home buyers get across the line:
Why First Home Buyers Choose Vega
We’re different from your average mortgage broker, and proudly so. Here’s why new buyers trust Vega:
- Personalised service – we take time to listen
- Fast pre-approvals – no waiting, no radio silence
- Access to better rates – 20+ lenders at our fingertips
- Low deposit options – even with less than 20%
- Ongoing guidance – all the way to settlement
Ready to Get Started?
Let’s take the pressure off your first home journey.
Book your free first home buyer chat with a Vega adviser today. We’ll answer your questions, explain your options, and help you move forward with clarity and confidence.
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Let’s get you started
Have questions or ready to take the next step? Contact us today for personalised advice and tailored financial solutions designed around you.
