Mortgage Protection
Need someone who really gets the whole financial thing and sticks with you every step of the way? Say hello to Kiwi Mortgages!
Mortgage Protection
Mortgage repayment cover pays your regular mortgage payments if you're unable to work because of sickness or injury. There's an initial stand down period of at least 4 weeks, and the cost is usually slightly cheaper than income protection.
To find out more about how Kiwi Mortgages can help, please get in touch with us today.
Where Do You Start?
Most first time home buyers ask the same question:
“How much can I actually afford?”
That is the right place to begin.
We take a full look at your situation — your income, expenses, existing debts, and lifestyle — and give you a clear understanding of your borrowing capacity. More importantly, we help you understand what is comfortable for you, not just what a bank says you can borrow.
Because getting approved is one thing. Sleeping well at night with your repayments is another.
Understanding Your Deposit Options
One of the biggest hurdles for first time home owners is the deposit. The good news is you often have more options than you think.
We help you explore all available pathways, including:
• Your personal savingsKiwi
• Saver first home withdrawals
• Gifts from family
• Using equity from a parent’s property (guarantor support)
We will break this down clearly so you know exactly where you stand, what is possible, and how to structure it properly to give you the best chance of approval.
Getting You Bank Ready
Before you start house hunting, it is critical to get your finance sorted.
We position your application in a way that gives you the strongest chance with the banks. That means:
• Structuring your application correctly
• Presenting your financial position clearly
• Matching you with the right lender for your situation
Not all banks assess applications the same way.
Knowing where to go — and how to present your deal — can make a significant difference.
Pre-Approval: Your Buying Power
Once everything is in place, we secure a pre-approval for you.
This gives you confidence to go out and look at properties knowing exactly what you can spend. It also puts you in a stronger position when negotiating, as agents and vendors take pre-approved buyers far more seriously.
From Offer to Unconditional
This is where things can get stressful — but it does not have to be.
Once you find the right property, we work alongside you to:
• Review the property from a lending perspective
• Help structure your offer conditions
• Liaise with the bank to get full approval
• Guide you through going unconditional
We coordinate with all parties involved — banks, lawyers, agents — to keep everything moving smoothly and avoid unnecessary delays.
Structuring Your Loan Properly
Getting the loan is only part of the job. Structuring it correctly is where long-term value is created.
We help you decide:
• Fixed vs floating rates
• Splitting your loan for flexibility
• Setting up repayments that suit your lifestyle
• Building in future-proofing for upgrades, investments, or changes
A good structure can save you thousands over time and give you far more control.
Ongoing Support (This Is Where We’re Different)
Most people think the job is done once the keys are handed over.
We do not.
At Kiwi Mortgages, we stay with you well beyond settlement. As your situation changes, we help you:
• Review your loan regularly
• Refix at the right time
• Adjust your structure as your goals evolve
• Plan for your next move — whether that is upgrading, investing, or paying your home off faster
Why Work With Kiwi Mortgages?
Because this is not just about getting a loan approved.
It is about:
• Making confident decisions
• Avoiding costly mistakes
• Setting yourself up properly from day one
We bring experience, clarity, and a straightforward approach to what can otherwise feel like a complicated process.
No jargon. No confusion. Just clear advice and a plan that works.
Let’s Get You Started
If you are thinking about buying your first home — whether that is in the next few months or further down the track — the best thing you can do is start the conversation early.
We will give you a clear picture of where you stand and what your next steps should be.
Reach out to Kiwi Mortgages today and take the first step towards your first home with confidence.
Frequently Asked Questions
Most banks in New Zealand require a 20% deposit, but there are options available with as little as 10% — and sometimes even less — depending on your situation.
Yes. Most first time home buyers in NZ can use their Kiwi Saver balance towards their deposit, as long as eligibility criteria are met.
A pre-approval is confirmation from a lender that they are willing to lend you upto a certain amount. It gives you confidence when house hunting and makes your offers stronger.
It typically takes a few weeks to get pre-approved, and then anywhere from a few weeks to a few months to find and secure a property.
You do not have to use one, but working with a mortgage adviser can help you access more lenders, structure your loan properly, and avoid common mistakes.
Our providers
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