Buying your first home is one of the biggest financial decisions you’ll ever make — and for many people, it’s also the most confusing. With different banks, changing rules, KiwiSaver requirements, and unfamiliar terminology, it’s easy to feel overwhelmed before you even begin.
At Zymm, we specialise in helping first home buyers navigate the process with clarity and confidence. Our role is to simplify every step, explain your options in plain English, and make sure you’re set up with a mortgage that genuinely suits your situation — not just today, but long term.
Understanding where you stand
Before you start house hunting, it’s important to understand what you can realistically afford and how lenders will assess you. We’ll review your income, expenses, deposit, KiwiSaver, and overall financial position to give you a clear picture of your borrowing power.
This includes:
Assessing your deposit and savings
Reviewing KiwiSaver balances and eligibility
Explaining how banks calculate affordability
Identifying any potential hurdles early
By getting this right upfront, you avoid wasted time, disappointment, and unnecessary stress later on.
KiwiSaver and First Home Grants
For many first home buyers, KiwiSaver plays a crucial role in getting into a home. We’ll guide you through how KiwiSaver withdrawals work, confirm your eligibility, and help coordinate the process with your lawyer and lender.
Where applicable, we’ll also explain the First Home Grant and help you understand whether you qualify, how much you may be entitled to, and how it fits into your overall purchase.
Our goal is to ensure you’re using every option available to you — without confusion or missed opportunities.
Choosing the right mortgage
The “best” mortgage isn’t always the one with the lowest advertised rate. Structure matters — especially for first home buyers.
We take the time to explain:
Fixed vs floating rates
Loan terms and repayment options
How different structures impact flexibility and future plans
What to watch for in bank offers and conditions
We compare multiple lenders on your behalf and recommend a solution based on your goals, not lender incentives.
Pre-approval to settlement — handled end to end
Once you’re ready, we manage the entire process for you:
Preparing and submitting your loan application
Communicating with banks and lenders
Managing approvals, conditions, and timelines
Supporting you right through to settlement day
You’ll always know where things stand, what’s required, and what the next step is.
Ongoing support beyond your first home
Our relationship doesn’t end at settlement. As your circumstances change — whether that’s refixing, refinancing, or purchasing your next property — we’re here to provide ongoing advice and support.
Click below to book a free consultation.