I'm Donna Swart, an experienced mortgage adviser, and I want you to know that achieving home ownership is still possible. There are three primary Kainga Ora schemes, including the First Home Loan with a 5% deposit requirement, the First Home Grant offering up to $10,000, and the First Home Partner scheme with shared ownership options. Let me help you navigate these opportunities for a seamless journey to your dream home. Contact me at 021 855 249 or via our website for a complimentary chat today.

As a mortgage adviser, I simplify bank jargon and explain the OCR's impact on your finances. The OCR, set by the RBNZ every 6 weeks, influences mortgage rates; my expertise ensures you navigate this, with access to 20+ banks and lenders for the right loan. 

In August 2023, the NZ Government expanded the Kainga Ora First Home Partner Scheme, allowing more Kiwis to co-buy homes with Kāinga Ora. Under this scheme, you gradually purchase Kāinga Ora's share in your home, and recent changes now include existing and new build homes, along with an increased income cap, making it more accessible for Kiwis.

Why is it so important to secure a pre-approval before you start house hunting? Getting pre-approval for your home loan signals your lender's comfort with lending you a certain amount based on your circumstances, providing confidence and guidance for your property search. It typically lasts two to three months, and while minor changes like interest rates won't affect it, significant life changes might, so consulting us before making property offers is wise.