Preparing to buy your first home? Start with the evidence.

A practical New Zealand path from deposit and KiwiSaver questions through to property checks and a mortgage conversation.

First-home education · general information only
A MoreGage starting point

Understand the next decision before you make it.

Use the sequence below as a reading path. It is general education, not a recommendation about what you should do.

01

Understand your deposit

Separate savings, KiwiSaver, gifts, grants, and other sources so the evidence trail is clear.

Start with readiness →02

Map the costs around the purchase

Look beyond the deposit to legal work, inspections, valuation, insurance, and settlement costs.

Plan the costs →03

Prepare for the mortgage questions

Organise income, commitments, employment history, and the documents a lender may request.

Prepare the conversation →04

Work through the property checklist

Use the first-home checklist to organise the search, offer, property documents, conditions, and settlement steps.

Open the property checklist →
Keep reading

Questions that often come next.

Guide

Can I use KiwiSaver for my first-home deposit?

Provider timing, eligibility questions, and evidence to organise.

Read the guide →Guide

What is mortgage pre-approval?

What it may indicate, the conditions attached, and why it is not a final loan decision.

Read the guide →Guide

What should I check before buying at auction?

A pre-auction checklist for funding, property information, and contract review.

Read the guide →

Keep the boundary clear

MoreGage does not currently provide personalised financial advice, recommend lenders, assess borrowing capacity, accept applications, or handle real financial documents.

Read the current status →