First Home Buyers
Expert mortgage advice for first home buyers across Wellington and the Kapiti Coast.
Buying your first home is an exciting milestone, but navigating lenders, paperwork, and financial jargon can feel overwhelming. Orange Network specialises in helping first-home buyers across Wellington and the Kapiti Coast secure the right mortgage with confidence.
We compare a range of lenders to find options tailored to your budget and goals — whether you're just starting to save for a deposit or ready to make an offer. We'll guide you through understanding your borrowing power, securing pre-approval, and finalising your mortgage.
Did you know you may be able to purchase with less than 20% deposit? We help you understand KiwiSaver first-home withdrawal options, eligible grants, and how to structure your loan for long-term affordability.
Get started today
Free consultation — no obligation.
Frequently Asked Questions
- How much deposit do I need for my first home?
- Most lenders require 20% deposit, but options exist from 5–10% for new builds and through special first-home buyer programmes. We'll assess your situation and find the best path forward.
- Can I use my KiwiSaver for a first home deposit?
- Yes, if you've been a KiwiSaver member for at least three years and don't currently own a home, you may withdraw most of your balance. We guide you through the process.
- Is mortgage advice free for first home buyers?
- Yes. Orange Network is paid a commission by the lender when your loan settles — there is no upfront fee for our advice.
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.