Our mortgage advisers can help you

Get the right mortgage

We can help you find a mortgage structure that’s right for you now and for your future.

Secure a pre-approval

We can help secure your pre-approval with minimum conditions, making it easier for you to gain the finance for your 
dream home.

Submit your application

We can submit your mortgage application to the banks and lenders on your behalf, helping you get it across the line.

Understand the home loan process

Buying a home and getting a mortgage can be complex, so we can walk you through it step by step to make sure you understand how it all works.

Access your KiwiSaver

You may be entitled to withdraw an amount to contribute towards your first home. We can check your eligibility and help you access this benefit.

Save for a deposit

Saving for a 20% deposit might seem out of reach, but we can help you get your finances in order to reach your goals.

Our mortgage advisers and expert tools are here to guide you with your first home.

Your journey to homeownership starts here

We understand that buying your first home can feel daunting, it’s uncharted territory and a significant financial commitment. That’s where a Haven mortgage adviser comes in. Our goal is to provide guidance and support, helping you move at your own pace with confidence. Explore the typical steps to buying a home:

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Figure out what you want in a property

Take the time to clarify what you need and want. Think location, property type, number of bedrooms, so your search starts with clear priorities.

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Determine what you can afford

Review your deposit, income, and expenses to set a realistic price range for your home search and understand how much you may need to save.

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Engage a mortgage adviser and solicitor

Getting expert support early from a mortgage adviser and solicitor can help you navigate lending options, legal requirements, and the buying process.

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Build your deposit and finalise your budget

Grow your savings, including KiwiSaver if using, and lock in a clear budget based on your deposit and borrowing power.

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Obtain pre-approval

Work with your mortgage adviser to assess your borrowing power and, if eligible, secure pre-approval, giving you a clear budget and stronger position when making offers.

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Find a property

Start your search with a clear budget and criteria in mind, explore listings, attend open homes, and when you find the right place, be ready to make an offer.

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Work through conditions

Once your offer is accepted, complete key steps like securing finance, obtaining a property valuation, and arranging a building inspection to satisfy the conditions in your contract.

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Settle on your new home

Work with your solicitor and mortgage adviser to complete the final paperwork, transfer funds, and officially take ownership, then it’s time to collect the keys and celebrate!

To help you on our journey here are some resources
outlining the home buying process and doing a deep
dive into some of the different factors you may want to
consider along the way.
KiwiSaver
A guide to KiwiSaver for kids
3 MIN READ

There are many reasons parents explore KiwiSaver for their children, including helping to grow their…

Mortgages
How to manage your mortgage amidst soaring interest rate pressure
4 MIN READ

Last month we held a webinar led by Nigel Perkins, Head of Haven Mortgages, and…

Insurance
Navigating the Cost of Living Crisis: How to reduce the cost of your insurance
3 MIN READ

In the face of the ongoing cost of living crisis, finding ways to reduce expenses…

Mortgages
Bank’s OCR Projections – What they mean and what you can do!
5 MIN READ

Nigel Perkins, Head of Haven Mortgages, shares his commentary on the Reserve Bank NZ (RBNZ),…

KiwiSaver
5 ways to make the most of KiwiSaver when living costs are rising
3 MIN READ

Here are 5 ways to start making the most of KiwiSaver when the cost of…

Mortgages
What do rising interest rates really mean for your mortgage repayments?
3 MIN READ

Understanding the potential impacts of increasing interest rates on your mortgage repayments and subsequently your…

Mortgage Calculator

How much will my mortgage cost? How much can I afford? Find out by calculating your mortgage costs below.

loan amount
The amount you’re considering borrowing, or the outstanding balance on your current mortgage.
$
annual Interest Rate % p.a

See interest.co.nz for current mortgage rates.

Term length
The date the mortgage needs to be paid by.
years
Repayment Amount
Enter your current repayment, or try another amount to see the difference it makes.
$
Frequency
Whether you pay your loan off weekly, fortnightly or monthly.
Extra Repayment
An extra amount you pay in addition to your regular repayments. This will be calculated as if you made this payment today.
$
Calculate

Your results

How much you'll pay

Monthly Repayments
Interest
Total to pay
Total interest saved
Duration
You'll pay - The amount you borrow
TOP TIP

Making just the minimum payment allows a mortgage to run on for its entire term. Increase repayments to save interest and be mortgage free sooner.

This calculator provides an estimate/illustration only and is based on the accuracy of the limited financial information provided by you.

Using KiwiSaver for your first home

Saving a deposit for your first home can be challenging. Using your KiwiSaver to help might be a great option for you.

If you meet the criteria, you can withdraw funds from your KiwiSaver account to put towards a deposit or part of the settlement amount. There are some conditions that need to be met here, so get in touch with us and we can talk you through it.

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