Mortgages

Practical ways South Auckland first home buyers can save a house deposit faster, from KiwiSaver and tax refunds to cutting costs and family help.

How to choose the right suburb and home for your first purchase in South Auckland: commute, schools, flood risk, two or three bedrooms, and townhouse vs new build.

How construction loans and progress payments work for new builds and house and land packages in South Auckland.

Fixed vs floating mortgages in NZ, how splitting works, and how to choose a term when you fix or refix.

How New Zealand mortgage brokers are paid, when fees can apply, and what to check in a broker’s disclosure.

Step-by-step guide to buying your first home in Papakura, Takanini and South Auckland, from deposit to settlement.