Stop Guessing.
Start Planning.
Work out what you can afford, what to check next, and which pack fits your stage — before you speak to a bank, lawyer, inspector, or adviser.
Information only — not financial advice. Use FHBG to get organised before taking regulated advice.
Free buyer packs by stage
Start with the checklist before the sales pitch
Step 1 of 3
What's your main priority today?
We'll tailor your experience based on your current focus.
Free packs
Start with the stage you are actually in.
Most buyer guides jump straight to “talk to someone”. FHBG now gives you practical packs first: pre-approval documents, open-home checks, auction prep, offer conditions, KiwiSaver withdrawal, and settlement.
Decision calculators
Answer the money question before the sales conversation.
Run the high-intent checks buyers actually search for: how long the deposit takes, how much KiwiSaver may help, whether renting longer makes sense, and what a lender may let you borrow.
Deposit timeline
Savings, KiwiSaver, target price, and months to deposit.
Open calculator
KiwiSaver withdrawal
Estimate withdrawable balance and eligibility warnings.
Open calculator
Rent vs buy
Compare buying, renting, equity, and ownership costs.
Open calculator
Full calculator hub
Borrowing power, repayments, LMI, split loans, and more.
Open calculator
Information-first handoff
If the numbers are close, route the question to a regulated professional.
FHBG records the intent and stage so adviser/referrer conversations start with context, not a generic contact form.
A practical order of operations
Start with what you can check yourself, then bring in a qualified adviser or lawyer when the decision needs professional advice.
See What You Can Afford
Use our simple calculator to understand your borrowing power. No credit check, no pressure - just helpful information.
Explore Suburbs
Discover which areas fit your budget and lifestyle. We show you real data on prices, growth, and what it's like to live there.
Get Expert Help
Request a mortgage adviser match only when you want help. FHBG stays information-only and records the handoff stage.
Everything you need in one place
We've built these tools based on what first home buyers actually need. No jargon, no confusion - just clear, helpful information.
Interactive Checklist
Track your progress through every step of the home buying journey with our comprehensive checklist.
30+ tasks across 6 stages
Borrowing Power
Find out how much you could borrow based on your income and expenses. Uses the latest 2026 DTI rules.
Get accurate numbers in minutes
Suburb Guides
Explore different neighbourhoods with real data on prices, growth, schools, and lifestyle.
Find your perfect area
Expert Guides
Step-by-step guides on everything from auctions to settlement. Written for first home buyers.
Information, not financial advice
Navigating the path to ownership.
Explore example pathways showing how our tools help solve common buyer challenges.
"Finding a home in Wellington felt impossible until they used the suburb growth data. They ended up in Upper Hutt - a spot they hadn't even considered but fit their budget."
The Regional Shifter
Example PathRelocated to Upper Hutt, WGTN
"The adviser-match prompt helped them prepare better questions before speaking with a mortgage adviser about Auckland deposit constraints."
The Auckland Couple
Example PathWest Auckland Homeowners
"Being a single buyer in Christchurch was daunting. Using the step-by-step checklist meant they never felt overwhelmed by the legal jargon or auction process."
The Solo Strategist
Example PathPurchased in Ilam, CHCH
Disclaimer: The scenarios above are hypothetical examples based on NZ market data and property trends. Imagery is AI-generated for illustrative purposes. These "Pathways" demonstrate how the FHBG platform is designed to handle various home buying complexities.
Popular Suburbs
These areas are seeing great growth and might be perfect for your first home
Drury
Whenuapai
Otara
Takanini
Flat Bush
Hobsonville
Questions? We're here to help.
Buying your first home is a big deal, and it's normal to have questions. Whether you're wondering about deposits, mortgages, or which suburb to choose, we're here to point you in the right direction.
Your first home is closer than you think
The journey to home ownership starts with a single step. Let's explore your options and find your way home.
Start Your Free GuideFree, no obligation, and takes less than 2 minutes