Buying Your First Home? We’ll Make It Easier.
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.
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?
KiwiSaver First Home Withdrawal
If you’ve been contributing to KiwiSaver for three years or more, you may be able to withdraw most of your savings to put towards your deposit.
Low Deposit Lending
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.
Family Help or Gifting
It’s common for parents or whānau to help out with a gifted deposit. We can help structure this properly to meet lender criteria.
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
We’re proud to have helped hundreds of Kiwis become homeowners, and we’d love to help you, too.
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.