Stage 1
Get Clear
“Can I even do this?”
Work out what you're trying to buy, what you can borrow, and how the New Zealand buying process actually works.
Usually takes: 1–2 weeks
Done when: You know your rough budget and timeframe
Free, forever
Your First Home Passport
From “I have no idea where to start” to “I have the keys”. One place that holds your numbers, your progress and the next thing to do.
62%
Readiness score
62 / 100
Nearly There
Your next three steps
- Check what's in your KiwiSaver
- Read: The Two Rules That Decide Your Limit
- Book a call with a partner mortgage adviser
A preview. Your own Passport starts empty and fills in as you go.
The six stages
You'll always know which one you're in.
You can look ahead at any time. Nothing is locked — later stages simply tell you what to finish first.
01
Stage 2
Get Your Deposit Sorted
“Where does the money come from?”
KiwiSaver, the 5% deposit route through a First Home Loan, a family guarantee, and a savings plan that holds.
Usually takes: 3 months – 3 years
Done when: Deposit path identified, KiwiSaver checked
Stage 3
Get Finance Ready
“Will a bank say yes?”
Documents, clean bank statements, LVR and DTI, and a pre-approval in writing with the expiry date noted.
Usually takes: 2–6 weeks
Done when: You hold a pre-approval
Stage 4
Get Searching
“What should I actually buy?”
Your brief, your suburbs, title types, methods of sale, and ten open homes before you make any offer.
Usually takes: 1–6 months
Done when: Clear brief, and you're viewing properties
Stage 5
Make the Offer
“How do I not stuff this up?”
Conditions, the LIM, the builder's report, your walk-away number, and your solicitor reading it before you sign.
Usually takes: 1–4 weeks
Done when: Offer accepted, conditions running
Stage 6
Settle & Move In
“What happens now?”
Insurance, loan documents, the KiwiSaver withdrawal, the pre-settlement inspection, and settlement day.
Usually takes: 2–6 weeks
Done when: Keys in hand
What you get
Everything in one place, free.
- A readiness score out of 100, and the exact maths behind it
- Six stages with a checklist you can tick off on your phone
- Learning modules matched to the stage you're actually at
- Calculators that save their results to your account
- Listings matched to your brief, not to everyone's
- An agent who only works with first home buyers
Your score, explained
No mystery number.
Tap the score in your Passport and you see exactly how it's built: deposit 30, finance 25, checklist 20, knowledge 15, search activity 10.
0+
Just Exploring
25+
Getting Organised
50+
Nearly There
75+
Buy Ready
90+
Offer Ready
Your Passport holds financial details you enter, like your deposit and KiwiSaver balance. You can export or delete everything at any time. This is general information, not financial advice.
Two minutes to start.
No fee, no obligation, and no agent will ring you unless you ask.