Start your first home buying journey here

We know before setting out that this journey into home ownership can seem daunting. But that’s why we’re here, to walk with you each step of the way. Get ready because you’re going to love being on the property ladder.

Here is our process to frist home mortgage success
Our process
  1. We’ll meet at the place of your convenience or use our ground breaking leading technology which we call the Vega Partners Center - a secure video conferencing system.

    We’ll meet at the place of your convenience or use our ground breaking leading technology which we call the Vega Partners Center - a secure video conferencing system. We are also able to utilize Skype, Google Hangouts or Zoom, to understand your goals and

  2. Based on our meeting, we’ll complete a loan application and discuss the best lenders to approach and why

    Based on our meeting, we’ll complete a loan application and discuss the best lenders to approach and why.

  3. We’ll complete a loan application and discuss the best lenders to approach and why.

    Based on our meeting, we’ll complete a loan application and discuss the best lenders to approach and why.

  4. We’ll help you take advantage of any market movements and better deals.

    We keep in touch with you, your lender and relevant parties to make sure everything goes as expected.

  5. We keep an eye on the market as it relates to your mortgage.

    We keep an eye on the market as it relates to your mortgage. We’ll help you take advantage of any market movements and better deals.

Make your first home journey easier.

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Pre-approved Mortgage

Gaining mortgage pre-approval serves two really important purposes:

  1. You get peace of mind, knowing that getting the house you want isn’t conditional on getting the loan.
  2. You know exactly what you can afford to spend on your first home.

Knowing these two points reduces stress, and that’s got to be a good thing.

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Get access to a mortgage with a smaller deposit

Not all of the funders require a 20% deposit to help secure your mortgage. But because Vega Lend deals with 26 different lenders, not all are subject to the same rules placed on the major banks. Combine this with various government grants (below) and you’re well on your way to a healthy deposit anyway.

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Access your KiwiSaver savings

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.

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Access a KiwiSaver HomeStart grant

On top of accessing your KiwiSaver funds, if you meet certain criteria you could access up to $20,000 worth of additional grants. There’s more to consider, and other options, but the key criteria include:

You’ve contributed the minimum amount of funds to KiwiSaver for a minimum of 3 years

You’re over 18 years of age

You’re building or buying your first home

Your pre-tax household income is under $80,000 for a single applicant and under $120,000 for 2 or more people

Your combined deposit, including the grant, equals at least 10% of the house’s purchase price

You need to live in the house for at least 6 months after the settlement date.

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Access a Welcome Home Loan

Selected banks offer Welcome Home Loans which are underwritten by Housing New Zealand. This scheme lets the bank lend you funds against a lower deposit. Accessing this type of loan has plenty of restrictions which are explained on the Welcome Home Loans website here.

How we’re different

We’re registered financial advisers

Our people are ex-senior bankers, highly networked, and commercially astute.  They know the way the banks think. We are also registered as brokers and that means we have more training and experience than most.

We spend time to understand you

We make sure that we really understand where you are now, and your future goals, and then create a plan to get you there. We love helping our clients realize their dreams and goals.

We want clients for life

People often buy multiple properties in their lifetime. We work hard to support you so that you will want to work with us again in future.

We write your application like the lender would

We know how all the lenders think, and what is an attractive application based on their needs. We’ll complete the paperwork together and tell you which lender is best for you.

Start your journey with Vega Mortgages and you’ll soon see why the best way to get a home loan from a bank is to not get a home loan from a bank.

TALK TO ONE OF OUR LENDING SPECIALISTS NOW