First home. Let's go.
From deposit and borrowing capacity to pre-approval and settlement, we make the first-home process easier to understand.
Contact UsStart with your goals.
For many first-home buyers, the hardest part is knowing where to begin. We can review your income, expenses, existing debts and available deposit, then explain what lenders are likely to look for before you start making offers.
Rather than starting with a particular bank or product, Pinnacle Mortgages looks at what you are trying to achieve, the strength of your application and which lending pathways may suit your circumstances.
Make it simpler.
Understand your borrowing position
We review the information lenders commonly assess so you have a clearer idea of your potential borrowing range before you commit to a property.
Deposit and first-home pathways
We can discuss your available deposit, KiwiSaver first-home withdrawal considerations and relevant low-deposit lending pathways where applicable.
Pre-approval and application preparation
We help organise the information and documents needed for an application and approach a suitable lender from the providers we advise on.
Making an offer with more confidence
We explain common finance conditions, valuation requirements and the steps that may follow once you find a property.
From approval to settlement
We stay involved as conditions are worked through, loan documents are prepared and settlement approaches.
A second opinion when things feel unclear
If you have already spoken with a bank or are unsure about the answer you received, we can review the situation and explain other relevant options.
From plan to settlement.
Initial conversation
Tell us about your goals, income, deposit and timeframe.
Borrowing assessment
We review your position and identify relevant lending pathways.
Application
We prepare and submit the application to an appropriate provider.
Property and approval
We help you understand finance conditions as you move toward an unconditional purchase.
Settlement
We support the lending process through documentation and settlement.
Structure matters.
- Your income, expenses and existing financial commitments
- The size and source of your deposit
- Credit conduct and account history
- The property you intend to purchase
- Lender servicing, LVR and other credit criteria
- Loan structure, repayment preferences and your longer-term plans
Lending criteria vary between providers and can change. Pinnacle Mortgages will explain the considerations relevant to your circumstances.