Home Buying Readiness
72/ 100
You're on track!
Your personalised home-buying plan
A step-by-step plan based on your goals, financial position and preferences. Turn insights into action and move closer to owning your first home.
A step-by-step plan based on your goals and current position.
A brighter
New Zealand
for first home buyers.
View details
Target home budget
$650k - $800k
Based on your current position
Estimated timeframe
6 - 12 months
Your target purchase window
Priority focus
Grow your deposit
Top action to reach your goal
Home Buying Readiness
72/ 100
You're on track!Target home budget
$650k - $800kView detailsEstimated timeframe
6 - 12 monthsView detailsYour journey to home ownership
A clear path based on where you are today. Click on each stage to see more details.
- Understand your position
- Grow your deposit
- Review KiwiSaver
- Speak with a mortgage adviser
- Get pre-approval (indicative)
- Finalise your budget
- Explore areas
- Shortlist properties
- Attend open homes
- LIM and building reports
- Seek legal advice
- Make an offer
- Go unconditional
- Prepare for settlement
- Move into your new home
Your first home
is within reach!
Your journey
Build foundationNow - 3 months
Get finance ready3 - 6 months
Explore and shortlist6 - 9 months
Due diligence9 - 12 months
Purchase and settle12+ months
Recommended actions for you
View all actionsReview your KiwiSaver eligibility
HighCheck how much you may be able to withdraw for your first home.
Speak with a mortgage adviser
HighGet a professional assessment of your borrowing position.
Grow your deposit by $16,000
HighBased on your target. At $1,200/month, this could take ~13-14 months.
Explore nearby areas
MediumConsider areas that may offer better value within your budget.
Learn about the home buying process
MediumUnderstand key steps from offer to settlement.
Get legal advice early
LowSpeak with a property lawyer or conveyancer.
Your progress
View details3 of 10steps completed
- Completed
- 3
- In progress
- 0
- Not started
- 7
You're making great progress!
Keep going - each step brings you closer to your first home.
"A goal without a plan is just a wish. With the right steps, home ownership is possible."
A brighter New Zealand
for generations to come.
Recommended experts
View all partnersMortgage adviser
Get introduced Get personalised lending advice from trusted professionals.
Licensed real-estate agent
Get introduced Work with agents experienced in first-home buyers.
Property lawyer / conveyancer
Get introduced Get independent legal guidance before making an offer.
Building inspector
Get introduced Understand the condition of a property before you buy.
Insurance adviser
Get introduced Protect your new home with the right insurance cover.
Next recommended action
Review your KiwiSaver eligibilityHigh priority
Useful resources for your next steps
View all guides
Understanding KiwiSaver and first-home withdrawalsLearn more
What to check before making an offerLearn more
A step-by-step guide to buying your first homeLearn more