The Complete Guide to Buying Your First Home
Most “guides” are just a brochure for a bank or an adviser’s business. This one isn’t. It’s 15 modules covering the whole journey — from deciding if home ownership is right for you, through to settling in and paying your mortgage off faster.
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Free eBook
The Complete Guide
for First Home Buyers
By Stuart Wills · Mortgage Managers NZ
Is the Kiwi dream still possible?
The New Zealand dream has always been to own your own family home — once, on a quarter acre section. That quarter acre has largely disappeared in recent years, and for some people, owning a home at all can start to feel like just a dream.
Buying a home is one of the biggest financial decisions you’ll ever make. Before you decide to buy, it’s worth carefully weighing the pros and cons of home ownership — not just the excitement of getting there.
Questions worth asking yourself first
- ?Do I really need to buy a home?
- ?Is my income going to grow?
- ?Will I stay long enough to benefit from the purchase?
- ?Have I got enough money saved?
- ?Am I ready for the responsibility?
Why this guide is different
Written by someone who’s heard almost every first home buyer question there is — and wanted every buyer to have real answers, not a sales pitch.
Not a bank brochure
No product to push. Just a straight answer to the questions first home buyers actually ask.
Built for Kiwi buyers
KiwiSaver, Kāinga Ora, the First Home Grant — written around how New Zealanders actually buy.
Plain English, no jargon
Every term explained the way we’d explain it to you in person — clearly, and without judgment.
15 modules covering the whole journey
This is a genuinely complete guide — from deciding if you’re ready, right through to settling in and staying on top of your mortgage.
- 01Important considerations with home ownership
- 02Understand the three biggest hurdles
- 03How much can you borrow?
- 04How is your deposit made up?
- 05How lenders calculate your income
- 06How lenders look at your outgoings
- 07Credit scores & account conduct
- 08The different banks & lenders
- 09The property options
- 10Create your circle of professionals
- 11Getting pre-approved finance
- 12Shopping for your new home
- 13Loan structure & paying your loan off
- 14Prepare for settlement & moving in
- 15Maintain your home & finances
Written by Stuart Wills, Mortgage Managers NZ
Stuart founded Kiwi First Home Buyers from a single Facebook group, now New Zealand’s largest first home buyer community with 150,000+ active members. Over 20+ years advising first home buyers, he’s heard almost every question and concern — and built this guide to make sure every buyer has the answers, for free.
What readers say
★★★★★
I never thought I could own a home, but with their guidance, it became a reality. Their team was supportive every step of the way.
First-time home buyer
★★★★★
I appreciated the quick responses and resources they provided. I felt like I knew what I was doing thanks to their help.
First-time home buyer
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Join 150,000+ Kiwis who’ve used this community to get closer to their first home.
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