First Home Buyers

Buying your first home just got easier

Buying your first home is one of the most exciting yet most daunting moments of your life.

On one hand, imagining a new kitchen here and a treehouse for the kids out there is exciting for people looking to settle down or get on the property ladder. On the other, navigating house deposits, first home KiwiSaver withdrawals, valuations, and applying for a loan can be daunting, particularly if you don’t feel financially savvy.

Threefold understands how intimidating it can be to secure finance in a chaotic housing market. Our mortgage advisers also understand how emotionally invested first home buyers can be when they’re hunting for their first home, and how complicated some financial frameworks might need to be to get a mortgage over the line. Self-employed, freelance, family trust, gifted deposits, multiple people buying together … We proudly customise our services to every first home buyer looking for a home loan, because every situation is different.

Buying property, especially if it’s your first home, can be stressful. But that’s why Threefold is here: to guide you through the process, explain complicated financial terminology in layman’s terms, submit your loan application to the right bank, and ultimately help you sign on the dotted line. In a nutshell, we look after everything to do with money, so you can focus on finding a home that ticks all your boxes.

Our experienced mortgage advisers inherently understand what’s going on in the market, how each bank works, and how to create a home loan application for you that’s likely to be successful. We work alongside our clients from beginning to end of the application process, so you can spend more time browsing real estate websites and visiting open homes. We can also connect you with professionals like accountants and lawyers to streamline the other pieces of the puzzle too.

If you’re using KiwiSaver to buy a house, we can help you every step of the way. We have helped many KiwiSaver first home buyers secure a home loan and get on the property ladder. We have experience in helping secure KiwiSaver first home grants too, which make it much easier for first home buyers to secure finance for their property investment.

Buying your first home probably won’t be the last time we see you though. Threefold proudly works alongside clients as they buy their first home, renegotiate terms and rates, sell up and size up, build an investment portfolio, and, further down the track, downsize. You’ll build up a great relationship with the same adviser (you won’t get passed from one person to another) which means life will be much easier when it comes to refinancing or buying again.

Buying your first home doesn’t have to be stressful. For thorough, all-inclusive support, let the Threefold team help you get your foot on the property ladder today.

Our job is to find the right mortgage for you! To do that, we work with and consider...



Process For First Home Buyers



  • Step One

    INITIAL CONSULTATION/DISCOVERY MEETING

    This is where we gather information about your financial position, your income, employment history, and any debts or assets you may have and find out where you are at financially and where you want to be.

  • Step Two

    PRE-APPROVAL

    We reach out to various lenders on your behalf to obtain approval up to a certain sum of money, based on certain conditions.  We will determine what you can borrow based on all the information you provided to us at the initial consultation meeting.

  • Step Three

    HOUSE HUNT/MAKING AN OFFER/ACCEPTANCE

    Now the fun begins, you can spend your weekends looking for your first home in the knowledge that you have pre-approval and can confidently make an offer.

  • Step Four

    SECOND CONSULTATION

    Once your offer is accepted, we will discuss:

    • Loan Structure

    What type of loan you want and how you want to pay it back.  We can help talk through your options for loan type, fixed and/or floating interest rate and design your home loan with you.

    • Insurances

    Help you with ensuring you have all appropriate insurances in place to cover you and your new home.

  • Step Five

    SIGN LOAN PAPERWORK

    All mortgage documentation will be sent to your Solicitor for signing ready for your settlement date (purchase date).

  • Step Six

    SETTLEMENT

    Celebrate and move in! Woohoo you’ve bought your first home!

Jonathan was incredibly helpful getting us into our first home. We couldn’t be happier!

Love the Threefold team, they helped us to refinance and made the whole thing really simple.

Great service. Joanna and the team went above and beyond.

Highly recommend Threefold. Friendly and reliable.

Frequently Asked Questions



  • How much deposit do I need?
    • The first thing you need to do is have money to put toward buying your new home. This is called the deposit (your cash contribution). The amount of the deposit you will need is generally between 5-20% of the purchase price of the home (eg: if the purchase price for a home is $750,000 a 5% deposit would be $37,500). The deposit amount you will need can vary between lenders and depends on your situation as well as the location and type of property you intend to buy. You can use money from your savings or a gift from a family member for your deposit. Note: If you are contributing a 5% deposit, you will need to show the lender you have saved this money and that it is not a gift.

  • How much can I borrow?
    • The amount you can borrow depends on how much you can afford to repay and how much a lender will lend on a property. Lenders have different methods they use to work this out. Our calculator on our website can give you a general idea of how much you can borrow (link to calculator). However, it’s better to have a chat with our Mortgage Advisers to get a more precise indication for your personal circumstances.

  • Can I use my Kiwisaver for my deposit?
    • As a first home buyer, you may be able to make a one-off withdrawal from your KiwiSaver facility. In addition to this, you may also qualify for a Kiwisaver HomeStart grant of either $5,000 or $10,000. For more information, please contact us.

  • Why is it important to get a Home Loan Pre-Approval before I make an offer to purchase a home?
    • A Home Loan Pre-Approval is free, there’s no obligation to use it and it gives you an indication of how much you can borrow. This means you can house hunt or plan your build, knowing exactly what your price range is and make an offer with confidence. It also makes the process a lot smoother, faster and less stressful!

  • Why use a Mortgage Advisor?
    • Buying a home is a huge event in your life. It is one of the biggest financial investments you’ll make and can be a very stressful experience. We know how to make this process a lot easier and have loads of experience and advice, to help you with each step as well as avoiding pitfalls along the way. We know which lender will best suit your individual situation so you have a better chance of getting your loan approved. We help you get a great deal from your lender and ensure your loan is structured the best way for you.

  • What fees do you charge?
    • There’s no fee for our mortgage advice to you or to have us arrange your mortgage for you. We are remunerated directly by the Lender.

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