Navigating the process of buying your first home can feel daunting, but it doesn't have to be. With our expert team by your side, you'll receive the support and guidance to make this journey seamless and rewarding.

Getting your foot in the door!

First Home Buyer

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You've got some questions

We've got some answers

How much can I borrow? 

How much can I borrow? 

The amount you can borrow depends on various factors such as your income, expenses, credit history and the lender’s criteria. A Mortgage Supply Co adviser can assess your financial situation and help you determine a realistic borrowing amount. 

How much deposit do I need?

How much deposit do I need?

The required deposit typically varies, but as common guideline is around 20% of the property’s purchase price. However, there are options with lower deposits, and your Mortgage Supply Co adviser can guide you through these and help you find the most suitable option for your circumstances.

Is it a good time to buy?

Is it a good time to buy?

Timing the market can be challenging. Your Mortgage Supply Co Adviser can provide insights into current market conditions and help you make informed decisions based on your financial goals.

What does a Mortgage Adviser do? And how much do they cost?

What does a Mortgage Adviser do? And how much do they cost?

Here at the Mortgage Supply Co we help you navigate the home loan process, evaluate your finance position, negotiate loan terms with lenders and offer you unbiased advice. Our advisers are paid by the bank and are in most cases of no cost to you. Any fees that might be included are disclosed transparently early on in the process so there is no surprises down the road.

How do I know which Mortgage Adviser to use? 

How do I know which Mortgage Adviser to use? 

Choosing the right Mortgage Supply Co adviser is a crucial step in your home-buying journey. Consider key factors such as their experience, location expertise, and their ability to understand your unique situation and needs.
Our dedicated team is here to assist you in the decision-making process, explore our teams profiles 


Can I use my Kiwisaver? How do I use my Kiwisaver?

Can I use my Kiwisaver? How do I use my Kiwisaver?

Yes, you can withdraw your KiwiSaver to assist in buying your first home.
You can qualify for withdrawal if you have been with KiwiSaver for a cumulative period of three years and are purchasing your first home, or land to build your first home. The property must be your primary place of residence. Even if you have previously bought a property, you may still be eligible if your circumstances align with those of a first home buyer.

Additionally, it’s advisable to explore whether you meet the criteria for a First Home Grant or First Home Loan. There are numerous lending options tailored for first home buyers, your Mortgage Supply Co adviser can guide you in determining the most suitable one for your situation.

Do I qualify for the First Home Grant?

Do I qualify for the First Home Grant?

The First Home Grant provides financial assistance to eligible first home buyers. Your Mortgage Supply Co adviser can assess your eligibility and assist you in applying for the grant, which can be a significant help in funding your home purchase.

Find your       





Choose an adviser

The Mortgage Supply Co have advisers based all across New Zealand. With a wide range of expertise and experience, you’ll be able to find the right advice for your unique situation here.
Click the link below to meet the team.



Not to sure where to start and need help finding an adviser to match your goals and needs. Book a chat or contact us now and one of our team will help you navigate this decision.

Novi S
November 2023

I recently had the privilege of working with Owen to secure a mortgage for my dream home, and the experience was nothing short of outstanding. I cannot express how grateful I am for the exceptional service and expertise provided by Owen. I would highly recommend Owen to anyone in need of mortgage services, his commitment to excellence, integrity and personalized care is truly second to none. Owen has made what could have been a stressful process an absolute pleasure. If you are looking for a mortgage broker who will work tirelessly to secure the best possible mortgage for your needs, look no further than Owen Melhuish :-)

Chloe B
February 2024

Carl Mann has been my mortgage broker for the past 2 years and I can't rave enough about him.
He is the most dedicated Mortgage Broker I have had the pleasure of dealing with over the years. He is always quick to answer calls and emails and has a high level of understanding/experience and a fabulous way of communicating to me that I always appreciate.

Carl is goal oriented for his clients and personally puts everything he has into every application he puts forward.
I have passed Carl's details onto many people over the 2 year period I have dealt with Carl and they have always come back to me after the fact and said to me how great he was to deal with. Truly a professional of his trade!

Rebecca B
December 2023

Nicola was absolutely amazing to work with and discussed all our options with us. She was very thorough with looking at our spending and the. Helping us to select the right mortgage package for us. She kept us informed every step of the way and most importantly she believed in us and worked tirelessly to help us achieve more financial freedom. I would most definitely work with Nicola again. She understands that things aren’t always easy. She actively listened to us and used her extensive knowledge and experience to get the job done.

Steph D.
November 2023

We would highly recommend Jess and the team for any mortgage related work. We have used them to refix our mortgage, and when selling our house and purchasing again. They made the process as straightforward as it can be, and were able to get documents issued for a very quick turnaround for our sale and purchase. We will definitely use them again in the future.

Werner P.
February 2024

Awesome, I can't say enough, very professional. Ben did an awesome job for me and it was very quick and he is very good at what he does. I will definitely use him when i purchase another property. Thank you again Ben.

Adam W.
December 2023

Cannot say enough good about working with Jack and The Mortgage Supply Co. From start to finish Jack has been professional, pro-active and helpful. We had no real idea about the process of apply for a mortgage or the in's and out's of the whole house buying process, and Jack was there every step of the way to advise us and guide us to a very happy result. 
Would highly recommend his services to anybody who needed them!

Natarsha S.
November 2023

From the moment I spoke with Mel she was incredibly knowledgable and helpful. Her prompt service and ability to make it all so easy was just one of her strengths. I will definitely use Mel again and I highly recommend her, thank you very much.

Melissa W.
January 2024

Rob was fantastic to deal with. He helped us get a new mortgage and re-fix an old mortgage. Great communication, everything was explained thoroughly and easy to work with. I would highly recommend him and will use him for all my mortgages in the future. Thanks for all your help Rob!

Brooklyn O.
December 2023

Shayne's communication and flexibility during our experience made the process so easy and enjoyable. Shayne's positivity and commitment to help his clients made such a huge difference from other mortgage brokers that we have worked with in the past. We really enjoyed our experience and would recommend to others :)

Cath T.
December 2024

Vanessa is the most helpful, professional, delightful person we have ever worked with in regards to borrowing money for real estate. Her service and knowledge is exceptional and she has gone out of her way to get us an amazing deal. Her communication is superb. Thoroughly recommend her. Looking forward to dealing with her again.

5 Star reviews

What our clients say


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