First Home Buyers

Buying your first home is an wonderful and exciting journey, but it can be also be a stressful one! We’re here to make sure you move through this process with ease. From Mortgage pre-approval to final settlement, at Penguin Finance, we make it easy.

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Mortgage Pre-Approval

Mortgage pre-approval is the first step towards securing your first home. You may find it easy to do it yourself on a bank website. However, watch out for the heaps of conditions it may be subject to. We can help you understand and meet those conditions so that they don't come biting back at the last minute! It’s a great opportunity for us to get to know you, and for you to minimise any unpleasent surprises.

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Smaller Deposits

Lenders often want a 20% deposit for purchasing new property, but sometimes raising that much capital just isn't viable. Don't miss out on the perfect home because of crazy high deposit requirements. Assess low deposit options based on what you have, and what you want to achieve. Act sooner with Penguin Finance.

Get Your Home Faster With Kiwisaver

There are a few ways that using your Kiwisaver can save you money, and get you into your new home sooner. For example, if you or your partner have been making regular contributions to Kiwisaver, you may be eligible to able to access those funds early when purchasing your first home.

Through the Kiwisaver HomeStart grant, you might even be eligible for as much as $20,000 in grant money. Talk to us today about how you can use Kiwisaver to boost your deposit, and make your dreams come true sooner.

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