Buying guide

Getting a mortgage? Here are 15 tips for first home buyers

Let’s get your finance sorted

Ben Tutty

By Ben Tutty (Content Writer)

Last updated: 8 August 2024 | 7 min read

How to get a mortgage in New Zealand

1. Get professional advice

2. Shop around

3. Never overcommit

4. Keep your accounts clean and tidy

5. Check your credit score

6. Understand your spending & create a budget

7. Get rid of bad debt

Step one towards buying a house is always sorting finance.

8. Get proof of employment and income

9. Don’t make any big changes

10. Make savings clear

11. Save more than your mortgage

12. Make an effort for three months

Asking for for less could increase your chances of approval.

13. Get pre-approval before you start shopping

14. Sort out your documentation

15. Get a little help

Author

Ben Tutty

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