FREE GUIDE FOR FIRST HOME BUYERS
Is debt holding back your first home?
Many first home buyers are refused a home loan, or approved for less than they need, because of existing debt. This free guide shows you how to clear it faster and when consolidation can help you get home-loan ready.
94 → 29
months to clear $18,900 of debt: paying minimums only vs the Avalanche plan
$6,600+
less interest with either the Snowball or Avalanche plan, in the same example
$280
extra a month is what makes the difference, more than the method you choose
Illustrative example from the guide, assuming rates stay fixed.
WHAT'S INSIDE
A practical plan, step by step
PART 1
Know what you owe
List every debt, find your monthly debt budget and build a small emergency buffer.
PARTS 2–4
Snowball vs Avalanche
Two proven payoff methods, worked examples, and a quick quiz to pick the one that suits you.
PART 5
Debt consolidation
When it helps first home buyers, what banks look for, and the red flags to avoid.
PARTS 6–7
Build your plan and stay debt-free
A plan checklist, automating payments, and habits that keep new debt away.
BONUS
Tracker and glossary
A debt tracker worksheet to fill in, plus plain-English explanations of the key terms.
Who this guide is for
✓ First home buyers being held back by existing debt
✓ Anyone juggling credit cards, store cards, buy now pay later, personal loans or car finance
✓ Buyers wondering whether consolidating debt will help their home loan application
About Kiwi First Home Buyers
New Zealand's largest first home buyer community, with 150,000+ members. Founded by Stuart Wills of Mortgage Managers NZ, with 20+ years of mortgage experience, to make owning your first Kiwi home feel achievable.
kiwifirsthomebuyers.clubBreak free from debt and get home-loan ready
Get the free guide and start your plan today.
DOWNLOAD HERE →