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

Contact our award-winning team and experience the difference

100+ 5-star
Google Reviews

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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

     EXCELLENT  
     Based on 105 reviews 
    
 
 
   
 
 
        
   justin Engels 
 14 May 2024
 
 
 Trustindex verifies that the original source of the review is Google. Excellent service from a company that always had our best interests at heart. Without them we woukd not have been able to have our first home.
  
 
       
   Ma Pamela Therese Gaddi 
 26 April 2024
 
 
 Trustindex verifies that the original source of the review is Google. I would to thank Anne Zablan-Balila for helping us secure our first home! You are very hands on, knowledgeable and always willing to help and you have so much patience in answering all of our concerns! You guided us and you were present every step of the way! I highly recommend Anne Zablan-Balila of Rob Schubert Financial Advice to be your mortage adviser and I am sure you can secure your first home too. I will definitely seek your expertise if given another chance to secure a property in New Zealand! I am one of many satisfied and happy client! Thank you so much Anne!
  
 
       
   Amy Po-Ching 
 26 April 2024
 
 
 Trustindex verifies that the original source of the review is Google. I have worked with Rod as my adviser for many years now and he always takes the time to understand my needs to ensure he can deliver on what is required. I have found him to be thorough, diligent, honest, hard working and always striving to do the best he can by me. He is personable, professional, and I highly recommend him.
  
 
       
   giancarlo maturan 
 21 April 2024
 
 
 Trustindex verifies that the original source of the review is Google. I would like to give thanks to Anne Balila from RSFA for helping us get our first home.  I admit it wasn't easy but Anne was always there to assist us and made the journey smooth and less complicated. I will definitely recommend her and RSFA to my friends who are also thinking of getting their new homes.
  
 
       
   Corrinne Pillay 
 16 April 2024
 
 
 Trustindex verifies that the original source of the review is Google. We’ve been clients of RFSA for a few years now. Our experience with Rod and the team has been awesome and the service we receive from Rod has been second to none.
His persistence and diligence to get the best rate for his customers has been a standout for us.
Rod has immense patience with Clients and treats out portfolio as if it was his own, with attention to detail and going to task to ensure we always get what’s best for us. The collaborative way in which this team works ensures that our best interest are always at the forefront.
  
 
       
   Dave Stokes 
 16 April 2024
 
 
 Trustindex verifies that the original source of the review is Google. Rod and his team were able to work the magic for us that the others weren't. His professionalism and willingness to go the extra mile has been greatly appreciated. I highly recommend Rod to anyone looking for expert mortgage advice.
  
 
       
   Georgia Ross 
 15 April 2024
 
 
 Trustindex verifies that the original source of the review is Google. Great service! Efficient and reliable. Can’t thank you guys enough!
  
 
       
   Michael Davies 
 10 April 2024
 
 
 Trustindex verifies that the original source of the review is Google. Rod and the team at SFA have been fantastic to deal with throughout our process. They achieved a higher result than we had been led to believe would be possible and made the whole process easy even when there were hurdles placed in the path. We highly commend Rod for his professionalism, patience, and diligence and have no hesitation in recommending Rod, and the team at SFA, to assist with your financial goals.
  
 
       
   Matt Crawford 
 20 February 2024
 
 
 Trustindex verifies that the original source of the review is Google. Would highly recommend Rod and his team, they are great to work with. Was first introduced to Rod a decade ago and have continued to benefit from his knowledge and experience over the years. He works hard to get results and pushes to get everything lined up even when the banks are dragging their heels.
  
 
       
   John Funnell 
 5 December 2023
 
 
 Trustindex verifies that the original source of the review is Google. Rod and his team where brilliant to deal with and where all over every detail of the process.
Cheers, John & Paul!

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