Learn
The things nobody sits you down and explains.
Short modules, plain English, New Zealand rules. Every one carries the date we last checked it against official sources.
The Whole Process in 12 Minutes
Start to finish: what happens, in what order, and who does what. Read this first.
Read the moduleGet Clear · Last checked 1/08/2026
KiwiSaver for First Homes: What You Can Actually Take Out
Three years' membership, $1,000 stays in, funds go to your solicitor. Allow ten working days.
Read the moduleGet Your Deposit Sorted · Last checked 1/08/2026
The 5% Deposit Route: How the First Home Loan Works
Underwritten by Kāinga Ora, issued by eight participating lenders, exempt from LVR and DTI limits.
Read the moduleGet Your Deposit Sorted · Last checked 1/08/2026
The Two Rules That Decide Your Limit (LVR and DTI)
Owner-occupier DTI is capped at 6 with a 20% speed limit. Banks can write 25% of new lending above 80% LVR.
Read the moduleGet Finance Ready · Last checked 1/08/2026
What the Bank Sees When It Looks at Your Bank Statements
Three months of statements, read line by line. What matters and what genuinely doesn't.
Read the moduleGet Finance Ready · Last checked 1/08/2026
Titles Explained Without the Legalese
Freehold, cross-lease, unit title, leasehold — what each one means for your lending and your Saturdays.
Read the moduleGet Searching · Last checked 1/08/2026
Auction, Deadline Sale, Tender or Negotiation — Which Suits You
Why an auction is hard on a 5–10% deposit, and which methods leave room for conditions.
Read the moduleGet Searching · Last checked 1/08/2026
Conditions Are Your Safety Net
Finance, LIM, builder's report, title and due diligence — what each one buys you, and the dates that matter.
Read the moduleMake the Offer · Last checked 1/08/2026
The Weathertightness Question: Buying a 1994–2004 Home
What to check, what evidence to ask for, and when to walk away.
Read the moduleGet Searching · Last checked 1/08/2026
The True Cost of a Small Deposit
Low-equity margins in dollars per fortnight, not percentages.
Read the moduleGet Your Deposit Sorted · Last checked 1/08/2026
Insurance and Natural Hazards Cover
What Natural Hazards Cover does and doesn't cover, and when your policy has to start.
Read the moduleSettle & Move In · Last checked 1/08/2026
The Most Expensive Mistake First Home Buyers Make
Signing a sale and purchase agreement before your solicitor has read it. Don't.
Read the moduleMake the Offer · Last checked 1/08/2026
Every module is written for New Zealand rules and re-checked against official sources each quarter. Signed in, you can tick modules off as you read them and they count towards your readiness score.