First Home Buyers

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Buying your first home is one of life’s biggest milestones. It’s exciting, but it can also feel overwhelming. We will guide you through the process with clarity, care, and practical advice.

Support for first home buyers

Budgeting & Deposit

Support to help first-time buyers understand what they can afford and plan toward a deposit.

Mortgage Pre-Approval

Assistance through the pre-approval process so you can understand any potential borrowing limits.

Comparing Mortgage Options

Guidance to compare lender and loan options based on your financial position and lending needs.

Protection Planning

Discussion around options for insurance coverage for your home, life, and income as part of your overall planning.

How we work with you

We work with you throughout your first-home journey — including before you are ready to buy — to help you understand your options and prepare with greater clarity.

Preparing your finances

We can work with you at any stage of the first home buyer process. Before they lend you money, lenders assess your ability to comfortably repay your mortgage. 

Starting early allows us to help you understand what lenders expect and align your financial position accordingly.

Navigating mortgage options

We support you through the lending process, from pre-approval through to settlement. Our advisers help you compare lenders and loan structures so you can make informed decisions that are aligned with your circumstances and your goals. 

Managing your mortgage over time

Securing a mortgage is only one step. Ongoing review and planning can help you understand repayment options and how your loan structure fits within your overall financial position.

This may include reviewing loan structures, considering refinancing when appropriate, or planning for occasional lump-sum repayments where suitable. 

Looking at your wider finances

Your mortgage forms part of a broader financial picture. While you will work with a mortgage adviser, we can also connect you with our financial planning, investment, and insurance specialists for a 360-degree approach to your finances.

Help with self-employed mortgages

Our advisers are familiar with the challenges that business owners and self-employed buyers may face when it comes to demonstrating income consistency. 

We can help with preparing and presenting your financial information so lenders can clearly assess your income position.

WHO WE WORK WITH

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Bank of New Zealand logo
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ASB logo
Anz
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Our First Home Buyers Guide can help

Knowing what step to take now or next is sometimes the hardest part. Our First Home Buyers Guide breaks the buying process down into easy-to-follow steps.
Our First Home Buyers Guide can help

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Hear what our clients are saying

We recently had FoxPlan’s help to secure our mortgage. The team were really helpful, knowledgeable and got us some competitive rates. Most importantly the team was really responsive and kept us really well informed. We felt like we were in safe hands. Highly recommend FoxPlan to anyone who’s wanting to take some of the stress out of buying a home.
— Sohini Morrison
Excellent service. I've had several financial advisors and FoxPlan are the only ones to engage in planning with me. We've set proper goals and measurements. Rather than taking my money and tossing me a cookie cutter plan. Can't recommend FoxPlan enough.
— Excelsior
We are so grateful to Stephan for sharing his passion of helping others to realise their life goals. We really appreciate his skill, patience and humour while providing invaluable guidance and clarity in regard to our finances, investments, insurance. We would have been lost without him. Highly recommended.
— Markus Giess
We received fantastic service from Foxplan, they have very efficient and smart team, they took care of the end to end process of arranging finance for our new home in the best possible rates in the market followed by a very efficient repayment plan that suites our goal. They also helped us with other products like insurance, kiwisaver etc and made sure that we were getting maximum benefit for our investments.
— Tarun Acharya
I am a first home buyer, I had no clue of the process of buying a house in Wellington and what it involves, Divya explained everything and worked so hard in finding me an affordable mortgage. I am extremely grateful to her. Divya provided updates on the progression of my mortgage application. I would highly recommend her, specially because of her responsiveness!
— Vishu Pise
Stephan and his team were extremely helpful and professional. They were able to help me find a mortgage structure that suits my needs, and were very effective in communicating the home buying process. Highly recommended, especially for first home buyers who may need a bit of extra guidance.
— Alastair Foster
Foxplan has been so helpful since I was first introduced firstly to Warwick & Heidi & more recently Stephan & Mark. Each one has explained financial dogma so that I can understand what is happening. I’ve had a peace of mind knowing they are knowledgeable & working hard on my behalf.
— Janice Hopkins

Book a Discovery Call

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