Isbister Partners New Zealand

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First Home

We’ll help you with buying your first home. So, it’s exciting. Not daunting.

Let’s face it; buying your first home can be an overwhelming experience.

To start with, you’ll need a deposit. But how do you pull that together?

Then you’ve got to think about where to live, what type of property to buy and the different ways you can do that.

We can help you through the process, working with other trusted advisers to make buying your first home as exciting and stress-free as possible.


Most lenders require you to have a 20% deposit of the amount you’re borrowing. But there are exceptions to this, like the First Home Loan (see more information below), where you’ll only need five percent.

Remember, the more you save, the less you have to borrow.


If you’re a first-time buyer who’s been a member of KiwiSaver for at least three years, you’ll be pleased to know you may be able to take out your KiwiSaver savings – if you’re buying your first home to live in, and not an investment property, that is.

In fact, you can withdraw all contributions, except the Government’s $1,000 kick-start payment (which was paid prior to 21 March 2015).

Before you start looking for a house, simply contact your KiwiSaver provider to find out what you may be entitled to. This will help us work out exactly how much you can borrow.

Even if you’re not a first-time buyer, you may still be able to withdraw your KiwiSaver funds to buy your next home, depending on your circumstances.

Get in touch for more information.

First Home Grant

More great news. If you’ve been contributing to KiwiSaver for at least three years, you may be able to get a grant to help buy your first home.

You need to intend on living at the property you’re buying most of the time. And the amount of the grant depends on whether you’re buying a new or existing home.

New home
If you’re buying a new home, you can get up to $2,000 a year, for each year you’ve been a KiwiSaver member, up to $10,000.

Existing home
If you’re buying an existing home, on the other hand, you can get up to $,1000 a year, for each year you’ve been a KiwiSaver member, up to $5,000

The grants are administered by Kainga Ora – Homes and Communities, but we can help guide you through the process.

Kainga Ora First Home Loan

If you can afford to make regular repayments on a home loan, but haven’t been able to save for a large deposit, you might able to get a First Home Loan.

With a First Home Loan, you’ll only need a 5% deposit.

However, there are loan and income limits.

The First Home Loan Scheme is supported by Kainga Ora – Homes and Communities. An initiative to make access to home ownership even easier for everyday New Zealanders.

Get in touch to find out more.

Second Mortgages and Shared Ownership

Buying properties using a second mortgage or shared ownership often involve having another loan.

This loan sits on the side of your home loan and you make repayments as you would do on any loan.

These can be a great option to get you onto the property ladder as long as you can afford the repayments.

Generally, all you need is 5% deposit in your Kiwisaver and the joint owner or second mortgage provider help make up the balance of your deposit.

These can be a great option for those that don’t qualify under Kainga Ora criteria.

In terms of shared ownership we work with YouOwn. Youown is a breath of fresh air for New Zealand that offers a helping hand to home buyers. Through shared ownership, youown help kiwis into their homes, when before it just wasn’t financially possible. And it’s simple. You buy a portion of the property you can afford now, and Youown help with the rest. You pay a charge on your portion and after five years, you can buy Youowns share when you are able to. With Youowns help it really is possible to unlock you own home today and create the future of your dreams.

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Why Choose Isbister Partners

At Isbister Partners, we understand that buying your first home can be a daunting experience. Our team of experienced and knowledgeable advisors are here to guide you through the entire process. We offer a comprehensive range of financial services, including mortgage advice and investment options. With Isbister Partners, you can rest assured that you are making the best decisions for your financial future.

Dreaming of owning a home? Let’s make it a reality.

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