"Start your Queenstown homeownership journey today!"
HOME LOANS
FOR FIRST-TIME HOME OWNERS
Stop paying someone else's mortgage.
YOU DESERVE A HOME - A HOME THAT IS YOURS
Make owning your Queenstown home a reality! Say goodbye to rent reviews and property inspections. Contact us today for a step towards home ownership.
Whether You Are Looking For a Mortgage in Queenstown, Arrowtown or Wanaka - Find the Right Lender For You!
Begin Your Journey To Your First Home
Taking the exciting step of purchasing your first home in Queenstown is a life-changing experience.
At Mortgage Broker Queenstown, we are wholeheartedly committed to helping you achieve your dream of home ownership, recognising the profound significance of this milestone. For first-time home buyers in Queenstown, our specialised Home Loans offer the perfect financing solution.
Mortgage Broker Queenstown simplifies the intricate landscape of home loans, providing expert guidance while removing obstacles. Our goal is to streamline the process, making your first home purchase in Queenstown a smooth and satisfying experience. Your path to first home ownership in Queenstown begins with us."
Embrace the Beginning of Your Journey to Your First Home In Queenstown
Step into a new chapter where your dreams come to life. Picture walls echoing with your laughter, rooms witnessing your milestones, and the place you proudly call home becoming a reality in Queenstown.
Whether you're envisioning a cozy starter home or a spacious family abode, our Home Loans for First-Time Homeowners are meticulously crafted to empower you every step of the way on your journey toward owning your dream home in Queenstown.
We understand that the dream of first-time homeownership in Queenstown is a unique and aspirational goal. Our commitment is to provide tailored financing solutions that align perfectly with your aspirations and financial objectives."
Frequently Asked Questions First Home
Mortgages - Queenstown
What is the income limit for First Buyer Grant?
$95,000 or less before tax for a individual buyer. $150,000 or less before tax for a individual buyer with one or more dependents. $150,000 or less before tax for 2 or more buyers, regardless of the number of dependents
KiwiSaver & First Home Mortgages
KiwiSaver first-home withdrawal After you've been contributing to KiwiSaver for three years, you will typically be able to withdraw almost all the money in your account to help buy a first home (except for $1000).
How much can I afford for my first home in Queenstown?
Your affordability depends on factors such as your salary (or joint income), any dependants, and prior debt and loans you may have. Speaking with Mortgage Broker Queenstown can provide you with personalised guidance to determine your affordability based on your unique circumstances. Reach out today to start your home buying journey.
What are the current mortgage interest rates for first-time homebuyers in Queenstown?
Mortgage rates are continually varying. Mortgage Broker Queenstown provides the most up-to-date details tailored to your specific circumstances. Rates offered by banks can vary but are typically based on factors like affordability, deposit, and loan terms. Contact us today for the latest rate information.
Our Queenstown, Wanaka & Arrowtown
Mortgage Broker Services
Helping YOU achieve your goals, without the headache, fuss and selling. You are in the drivers seat!
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FIRST HOME MORTGAGE
Buying your first home is exciting. But also daunting. Don't be put off from your dream, 'Live by the Lake'.
RE-MORTGAGING
Whether it is the end of a fixed rate deal or simply a change in circumstances it makes sense to look at your options.
DEBT CONSOLIDATION
Combine your debt to pay it down faster. Giving you the financial freedom you deserve to achieve your goals.
NEW BUILD FINANCE
Building a new home? Secure new build finances so you only draw down the money when necessary saving you $$$.
INVESTMENT PURCHASE
Looking to increase your property portfolio? Secure the best rates for your investment property with Mortgage Broker Queenstown
MOVING & BRIDGING
Whether you need to buy before selling or simply bridge your finances. A bridging loan could be the right solution for your needs.
EQUITY RELEASE
Release money from your Queenstown home and continue to live in it. Enjoy your retirement and learn how Equity Release can help.
ASSET FINANCE
Buying your first home is exciting. But also daunting. Don't be put off from your dream, 'Live by the Lake'.
Why go for ‘Mortgage Broker Queenstown’?
(Even if your property is in Wanaka or Arrowtown!)
Achieving home ownership is an obvious aspiration. Grasp the reality of managing a long-term mortgage and organizing finances for regular payments. Transition from paying rent to owning your first home, or prepare for retirement by investing in property. Regardless of your objective, Mortgage Broker Queenstown is here to assist. And Yes we cover Wanaka and Arrowtown!
Use a Mortgage broker that puts your goals first. Not the banks.
Testimonials
FAQ's - First Home Mortgages - Key Info
What is the minimum deposit (down payment) amount required for your first home?
Typically, the minimum down payment is 20%, although it can be as low as 5% depending on the availability of government grants. Your mortgage broker can provide guidance on the specific down payment requirements for your situation. Contact Mortgage Broker Queenstown to discuss your down payment options.
Are there any government grants or incentives for first-time homebuyers in Queenstown?
Yes, there are several grants available, and your mortgage broker from Mortgage Broker Queenstown can advise you on the grants and incentives applicable to your homebuying journey. Reach out to us today to explore available grants.
How do I qualify for a first-time homebuyer loan in Queenstown?
Qualifying for a first-time homebuyer loan is less about strict qualifications and more about starting the journey. It begins by reaching out to Mortgage Broker Queenstown, who can guide you through the process. Contact us today to get started.
What should I do before I start house hunting in Queenstown?
Understanding what you can afford is crucial before you start your journey. Mortgage Broker Queenstown can connect you with a mortgage broker who will assist you in determining your budget, ensuring you are well-prepared to start house hunting. Contact us today to assess your affordability and start your house hunting adventure.
Pre-Approval first - Or find the Dream home?
While it's great to view houses, it's essential to know your budget first. Securing pre-approval sets you in the best position when negotiating with sellers. Reach out to Mortgage Broker Queenstown to start the pre-approval process and gain a competitive edge in the Queenstown housing market.
What should I consider when choosing a neighbourhood for my first home in Queenstown Lakes District?
Researching the right neighbourhood is essential. Consider factors like proximity to work, schools, amenities, and safety. Your mortgage broker can also provide insights into neighbourhoods that align with your budget and preferences. Contact Mortgage Broker Queenstown to discuss your neighbourhood preferences and explore suitable options.
What are the key factors to keep in mind during a home inspection in Queenstown?
A comprehensive home inspection is crucial. Look for structural integrity, plumbing, electrical systems, and potential maintenance issues. Your real estate agent can provide guidance during the inspection process. Contact us for expert advice on home inspections and ensure a thorough assessment of your prospective Queenstown home.
What other costs should I be aware of when buying my first home in Queenstown?
Beyond the down payment, be prepared for closing costs, property taxes, home insurance, and potential maintenance expenses. Your mortgage broker can provide a breakdown of these costs to ensure you're financially prepared for homeownership. Contact Mortgage Broker Queenstown to discuss the financial aspects of buying your first home in Queenstown.
Stop! Don't give up on your dreams thinking a home loan isn't possible.
(Or give up on living in Queenstown Lakes)
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DISCLAIMER – The information, resources, calculators and any other information contained in and on this website are provided as general information and are not intended to be financial advice. Before making any financial decisions, you should consult a professional financial adviser. Nothing on this website is, or should be taken as, an offer, invitation or recommendation to buy, sell or retain a regulated financial product. 1768Degrees Ltd accepts no responsibility for any loss caused as a result of any person relying on any information or calculations in or from this website..
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