Home Loans
First time buyers
Buying your first home is an incredibly exciting time. As one of the largest and most expensive purchases you are ever likely to make, it can often be a stressful time if you can’t secure a loan.
Before you start searching for potential homes, reach out to Alliance NZ Financial & Insurance Services to secure a pre-approved loan.
We have a high success rate and are committed to finding the best option for you. Even with access to over 35 lending institutions, our loan specialists have an intimate understanding of the mortgages available and will talk you through the options.
The result is a package tailored to suit your individual financial situation and long-term goals. With a pre-approved loan you will be in the best position possible when it comes to placing an offer on the home of your dreams, and be certain you can afford it.
If you don’t have the deposit required to purchase the home you would like, but your parents want to help out, a 100 percent home loan could be the option for you. This type of loan is suitable if your parents are prepared to be a guarantor or raise funds against their own home.
Climbing the property ladder
If you are already on the property ladder and looking to move onto bigger and better things, Alliance NZ can help you refinance your mortgage to get there.
Along the way Alliance NZ helps you make those tricky decisions, such as whether to stay with your current bank or refinance with a new lender. We can also assist you with advice on consolidating any short-term debt in order to reduce repayments.
First Home Buyers Home Loans
Turn Your First Home Dream Into Reality
Buying your first home is one of life’s biggest milestones. While it’s an exciting journey, navigating the home loan process can feel overwhelming—especially if you’re unsure where to start.
At Alliance NZ Financial & Insurance Services, we make the process simple and stress-free. Our experienced mortgage advisers work with you from the very beginning, helping you understand your borrowing capacity, compare lenders, and secure the right home loan for your needs.
Whether you’re just starting your property search or ready to make an offer, we’re here to guide you every step of the way.
Get Pre-Approved Before You Start House Hunting
A mortgage pre-approval gives you confidence before you begin looking for your new home.
With a pre-approved home loan, you can:
- Know exactly how much you can borrow
- Shop within your budget
- Make stronger offers to sellers
- Speed up the buying process
- Improve your confidence when negotiating
Our advisers work hard to secure a pre-approval that puts you in the strongest possible position when your dream home becomes available.
Mortgage Solutions Tailored to You
Every first-home buyer has different financial circumstances and future goals.
Instead of offering one-size-fits-all solutions, we carefully assess your:
- Income and employment
- Savings and deposit
- Financial commitments
- Lifestyle goals
- Long-term plans
We then recommend a mortgage package designed specifically for your situation, helping you achieve homeownership with confidence.
Need Help with Your Deposit?
Saving a deposit can be one of the biggest challenges for first-home buyers.
If your parents or family members are willing to help, there may be alternative lending options available.
Family Guarantor Home Loans
In some situations, you may qualify for a 100% home loan if:
- A parent or family member is prepared to act as a guarantor.
- Equity from a family-owned property can be used as additional security.
Our advisers will explain whether this option is suitable for your circumstances and help you understand the benefits and responsibilities involved.
Why First Home Buyers Trust Alliance NZ
✔ Access to 35+ trusted New Zealand lenders
✔ Personalised mortgage advice
✔ High loan approval success rate
✔ Friendly and experienced mortgage specialists
✔ End-to-end support from application to settlement
✔ Tailored lending solutions for your financial goals
Our Simple Home Loan Process
1.Free Consultation
We discuss your goals, budget, and financial situation.
2.Mortgage Assessment
We compare loan options from multiple lenders.
3.Pre-Approval
We help secure a mortgage pre-approval before you start searching.
4.Find Your Home
Shop confidently knowing your budget.
5.Loan Approval & Settlement
We guide you through the final approval process until you receive the keys to your new home.
GET IN TOUCH