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Purchasing your first home is an exciting achievement—but it can also be one of the biggest financial decisions you’ll ever make. At Credsol Financial Services, we understand the challenges first-time buyers face, from navigating complex loan options to understanding deposit requirements and repayment structures. That’s why our dedicated team is here to guide you through the entire journey with clarity and confidence.
When you choose Credsol, you gain more than just access to a home loan—you gain a partner who works to secure the most suitable lending solution for your unique circumstances. We take the time to understand your financial position, long-term goals, and lifestyle, ensuring your first home loan is structured in a way that gives you both flexibility and peace of mind.
Our services for first home buyers include:
Comprehensive Loan Comparison – We research and compare multiple banks and lenders to identify the right mortgage options for you.
Pre-Approval Assistance – We help you secure pre-approval, so you can search for your dream home with confidence and negotiating power.
Deposit & Loan Structure Guidance – Our experts explain how deposits, repayments, and loan terms work, making sure you understand every detail before committing.
End-to-End Support – From your very first consultation to settlement day, we’re with you at every step of the process.
At Credsol Financial Services, our mission is to make home ownership accessible and stress-free for first-time buyers. With our expertise, market knowledge, and personalised support, you’ll be able to take that important first step onto the property ladder with complete confidence.
Most lenders in New Zealand require at least a 10–20% deposit. However, government schemes and KiwiSaver may help reduce this requirement.
Yes, in some cases. Certain lenders offer low-deposit home loans, although conditions may apply such as lender’s mortgage insurance or higher interest rates. Our advisors can help explore these options for you.
Pre-approval is confirmation from a lender that you’re eligible to borrow up to a certain amount. It’s important because it gives you a clear budget, strengthens your offer to sellers, and speeds up the buying process once you find a property.
Your borrowing capacity depends on your income, expenses, debts, deposit size, and overall financial position. Our mortgage calculator and advisors can give you a clear estimate.
In addition to your deposit, you’ll need to budget for legal fees, lender fees, valuations, building inspections, and insurance. We’ll guide you through all expected costs so there are no surprises.
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