First Home Buyer's Guide
Your step-by-step guide to buying your first home in Wellington and the Kapiti Coast.
What's in the guide
- How much you can borrow
- Deposit options including KiwiSaver
- Pre-approval process
- Choosing the right loan structure
- Settlement day checklist
- Common mistakes to avoid
Get your free guide
Indicative only
What could I afford?
A starting range from household income, deposit, and other debts. Not a quote, not advice — your adviser will run the real numbers with lenders.
Estimated borrowing
$500,912–$584,397
Homes around
$580,912 – $664,397
Weekly repayments on the midpoint, at an illustrative 5.99% p.a. over 30 years
$750 / week
Uses a conservative-to-stretch servicing band, a 5–6× income cap, and typical LVR (5–10% deposit for first home buyers, 20% otherwise). Lenders apply their own tests.
Ready to get started?
Our advisers can travel to you for an in-home meeting or arrange a virtual catch up. We're happy to work around your schedule.