First Home Buyers

Q: How do I determine how much I can afford to borrow as a first home buyer?

Your borrowing capacity depends on several factors, including your income, expenses, existing debts, and the size of your deposit. A financial advisor can help you assess your financial situation and provide a realistic estimate of how much you can borrow.

Q: What should I look for in a home loan as a first home buyer?

As a first home buyer, consider factors such as interest rates, loan terms, repayment options, and any fees associated with the loan. It's also important to look for features that offer flexibility, such as the ability to make extra repayments or redraw facilities. A financial advisor can help you compare different home loan products to find the best fit for your needs.

Taking your first step onto the property ladder is an exciting journey, and we're here to guide you every step of the way. At RSFA, we provide expert advice and tailored solutions to help first home buyers secure the perfect home loan.

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Buying your first home is exciting, the prospect of a place that is truly your own.

We are passionate about first home buyers and are experts that value assisting first home buyers with what can be a minefield of information.

Our advisers can assist you with:

Calculating affordability
Find the best bank for you (or non-bank if main bank criteria isn’t met)
Seek pre-approval if you haven’t purchased at the time of applying
Give you step-by-step guidance (we can refer you to one of our network contacts too where appropriate)
Do as much of the ‘heavy lifting’ as we can with your application
Help you get up to 95% LVR; 5% deposits may be permissible for Kāinga Ora lending as well as access to shared equity lending as a specialist product)
Negotiate pricing with the banks to obtain the best terms for you

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Additional finance

Refixing or Restructuring

Reverse Mortgages

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Get started with RSFA

With over 20 years of industry experience, Rod and his team provide expert guidance and top-notch service to help you achieve your financial goals. Reach out to our team today.

+64 9 950 8800

rod@rsfa.co.nz

Understand your finances with our financial analysis tools

RSFA Financial Advisers leverage Planolitix to provide clients with comprehensive financial planning and advanced data analysis, ensuring tailored solutions for optimal financial outcomes.

By utilising this sophisticated tool, RSFA Financial Advisers enhance decision-making processes and maximise investment strategies for their clients.

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Useful Calculators for First Home Buyers

Our website offers a variety of easy-to-use financial calculators designed to help you make informed decisions.

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Repayment Calculator

Estimate monthly loan repayments based on the loan amount, interest rate, & term.

Borrowing Power Calculator

Find out how much you can borrow based on your income and expenses.

Expense Calculator

Track and categorise your expenses to understand where your money goes.

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Frequently Asked Questions

What government grants or incentives are available for first home buyers?

In New Zealand, first home buyers may be eligible for the First Home Grant and KiwiSaver First Home Withdrawal. These programs offer financial assistance to help you with your deposit and overall home purchase. A financial adviser can provide detailed information and help you navigate the application process.

How do I determine how much I can afford to borrow as a first home buyer?

What should I look for in a home loan as a first home buyer?

Contact our award-winning team and experience the difference

Get started

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