Navigating First-Time Homeownership Waters Made Easy with Our Mortgage Experts



Step into Homeownership - Get First-Time Buyer Mortgage Advice from Experts

Let's Pave the Way to Your First Home

Hello first-timer! We understand the distinctive needs and challenges faced by those entering the real estate market for the first time.

In Paihia, we strive to turn the dream of owning your first home into a reality by connecting you with a mortgage expert that can provide you with the right support, expertise, and a sure roadmap to success.

With a dedicated mortgage broker by your side, each step towards homeownership is infused with confidence, ensuring that your journey is not just memorable but also financially sound.

Let Laura find the lender that works best for you

First-Time Buyers, Fear Not! Paihia Mortgage Experts can Simplify your Homeownership Dreams

The agony of doing things the first time is not lost on us, we know how nerve wracking it can feel. But worry no more because we at Mortgage Broker Paihia will do our best to connect you with a seasoned mortgage expert specialising in first time home loans. These astute mortgage professionals possess a deep understanding of the distinctive needs and hurdles faced by individuals venturing into the real estate market for the first time. Know that you're in good hands!

Navigating the complexities of this competitive market can

be challenging, but our recommended mortgage experts are dedicated to guiding you through the mortgage process, ensuring that as first time home owner in Paihia, you'll secure the most favourable mortgage rate and terms.

If you find yourself uncertain about the amount you qualify for

with a first time home mortgage, worry not. Our proficient mortgage experts will assess your financial situation meticulously to determine your eligibility accurately. By leveraging their expertise, they will identify the optimal
first time home mortgage options available to you, providing you with a comprehensive understanding of your financial capabilities in the realm of home ownership.

Dreaming of Your First Home? Let an Expert Mortgage Broker Ensure your Mortgage Journey is Seamless

For first-time homebuyers, figuring out if they qualify for a mortgage is the crucial first step. You can confidently navigate the home-buying process if you know what factors affect your eligibility.

Rest assured, that the mortgage experts we endorse are committed to helping you make informed decisions and achieve your homeownership goals on your first try for a loan.

FAQs - Home Loans for First Time Homeowners

How much of a down payment is typically required for a first-time homebuyer?

The down payment requirement can vary depending on the type of loan and lender. While some government-backed loans may offer lower down payment options, conventional loans often require a down payment of 5% to 20%. Additionally, there are down payment assistance programs and grants available for qualified first-time homebuyers, making homeownership more accessible.

What factors influence the interest rates on first-time homebuyer loans?

Interest rates for first-time homebuyer loans are influenced by several factors, including credit score, loan amount, down payment, and current market conditions. Generally, a higher credit score and a larger down payment can lead to lower interest rates. It's advisable to review and improve your credit score before applying for a home loan to secure more favourable terms.

How can I determine how much home I can afford as a first-time homebuyer?

To determine your affordability, consider factors such as your income, existing debts, down payment, and estimated monthly expenses. Mortgage lenders typically use a debt-to-income ratio to assess your ability to manage monthly payments. It's advisable to get pre-approved for a mortgage to understand your budget and streamline the home-buying process. Consulting with a mortgage expert can provide personalised insights based on your financial profile.

Your Paihia Mortgage Broker is One Click Away!

Opening Doors to Your Future Home


Buying your first home is exciting. But also daunting. Don't be put off from your dream, let Laura guide you.


Whether it is the end of a fixed rate deal or simply a change in circumstances it makes sense to look at your options.

Debt Consolidation

Combine your debt to pay it down faster. Giving you the financial freedom you deserve to achieve your goals.

New Build Finance

Building a new home? Secure new build finances so you only draw down the money when necessary saving you $$$.

Investment Purchase

Increasing your property portfolio? Secure the best rates for your investment property with Mortgage Broker Paihia.

Moving & Bridging

Whether you need to buy before selling or simply bridge your finances. A bridging loan could be the right solution.


Combine your debt to pay it down faster. Giving you the financial freedom you deserve to achieve your goals.


Whether you need to buy before selling or simply bridge your finances. A bridging loan could be the right solution.

Why go for ‘Mortgage Broker Paihia’?

Get great mortgage advice and insights from Laura Cates.

Laura is an expert in the field of loans and will do her best to secure the finest deal for you.

With her extensive industry connections, Laura Cates of Mortgage Lab can put you in touch with a wide variety of reliable New Zealand lenders.

It is simple and stress-free to complete and submit your application online. Alternatively, you can meet in person, via Zoom meeting, telephone, or over the phone.

Whatever your situation, Laura has access to over 26 lenders, turning the odds in your favour.

Owning a home is a cherish dream. However, when it comes to loans many people fail to take into account what they can afford. That said, a home loan entails monthly payments on a long-term mortgage. You can count on Laura, she is here to assist you in making sure your debt is manageable and sustainable for the future.

Make sure the mortgage broker you choose puts your needs first. Definitely, not the banks!

Whole of marketing lending is within reach.

Explore more options, not just one bank

Open more doors to possible lenders through their network

Always multitasking - a mortgage expert can review existing insurances at the same time

Free mortgage insights to move you forward

There is no fees payable by you (The bank pays the fees!)

Remortgage now and save money in interest payments

Get the best rates by letting you mortgage expert find the perfect financing partner for you.

Take years off your mortgage payments, giving you more freedom to enjoy

Get out of debt faster and focus on what's important to you



What is a Home Loan?

A Home Loan, provided by a bank, enables property purchase, with a commitment to repay over a specified time frame. In New Zealand, these loans typically extend over 20-30 years. Failure to meet payments may result in the bank selling or claiming the property. Bank financing is a common avenue for New Zealand homeowners to make their housing aspirations a reality.

Why should I consult with Mortgage Broker In Paihia, such as Laura Cates rather than dealing directly with a bank?

The personalised service we once anticipated from our banks is now from a bygone era. With a broker Like Laura advocating for you, that individual connection is restored, aligning with your best interests and actively working to secure optimal outcomes for you. As a mortgage broker, Laura assesses policies, rates, and banks' preferences for your unique circumstances. This ensures placement with lenders offering favourable outcomes and terms tailored to your needs.

How much will mortgage brokers cost me in fees?

In most cases, brokers do not demand payment. The banks will pay them a commission once your loan is paid off. This commission is not taken out of your wallet; rather, it is seen by the banks as part of the expense of customer onboarding and may be sourced from their marketing or staffing budget, among other places.

You will not be charged for the time and service provided by a broker. BUT, in a few cases, you might need a private or non-bank lender, and in those cases, the lender might end up charging you more for our service. No action will be taken without your complete understanding and authority to do so, and if your circumstance is likely to fall into this category, we will discuss it with you thoroughly in advance.

Home loans for first-time home owners here in Paihia

A first-time homebuyer may feel overwhelmed. Having someone there to guide you, provide guidance, and provide support can make a world of difference at times. Consider the route to homeownership an emotional journey as well as a financial adventure! Laura is happy to assist first-time homebuyers, and she would love the chance to do the same for you.

Investment purchase / top up existing borrowing

A skilled mortgage broker will discover the best option for your needs, whether you are looking to fund home improvements, topping up or buying an investment property. With Laura's assistance, you can navigate this process smoothly. The choice is yours – whether to save money while settling debts or make an investment property thrive. Don't hesitate to reach out - Laura is here to assist you without delay.

New build lending - Building your dream home here in the Paihia district?

The ongoing construction boom in Paihia presents an opportune time to acquire your dream home. However, potential hurdles like delays, supply shortages, and price fluctuations may impact your application. For a smoother financing process, consult an expert mortgage broker in Paihia like Laura who can keep you informed about these developments to ensure a more seamless experience.

What about fixed rate rollovers or re-mortgaging?

As the financial landscape evolves, your interest rates fluctuate. A shift in rates is an ideal opportunity to engage in a conversation with a mortgage broker. Is your current bank meeting your needs? What offerings do other lenders have? Moving your business could potentially yield a significant cash contribution. Laura can help you explore avenues to reduce expenses or adjust loan terms through simple tweaks, ensuring your financial strategy remains optimised.

Dream Homes Begin with Expert Mortgage Advice

Laura can help you secure the ideal mortgage, turn that dream into a real world address. Whether you're a first-time buyer or seeking a refinancing solution, unlock the door to your dream home in Paihia with the assurance of a knowledgeable mortgage broker every step of the way.

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DISCLAIMER – The information, resources, calculators and any other information contained in and on this website are provided as general information and are not intended to be financial advice. Before making any financial decisions, you should consult a professional financial adviser. Nothing on this website is, or should be taken as, an offer, invitation or recommendation to buy, sell or retain a regulated financial product. 1768Degrees Ltd accepts no responsibility for any loss caused as a result of any person relying on any information or calculations in or from this website..

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