Still think you need a strict 20% deposit? This article explains how much first home buyers really need today, how LVR and new DTI rules work, and how savings, KiwiSaver, Kāinga Ora and family help can all combine to get you in sooner.
A home loan deposit is more than just a hurdle to clear. This guide shows how deposits work, how they protect you, what typical ranges look like for first home buyers, movers and investors, and the main ways people pull a deposit together.
Thinking about buying a home? This article breaks down the real costs beyond the listing price, from deposits and legal work to insurance, rates and maintenance. Use it as a checklist to plan your budget, avoid surprises and feel more confident when you start making offers.
