Make the next buying decision with numbers, not guesswork.
These tools are information-only and do not provide financial advice. Use them to prepare better questions before speaking with a lender, lawyer, inspector, or regulated adviser.
Save the deposit
Deposit savings timeline
Model target property price, deposit percentage, current savings, KiwiSaver, monthly savings, and time to target.
Best for buyers still building the deposit
Unlock KiwiSaver
KiwiSaver withdrawal estimate
Estimate withdrawable balance, partner contribution, eligibility checks, and first-home deposit contribution.
Best before asking your provider or adviser
Buy now or wait
Rent vs buy comparison
Compare rent, mortgage payments, ownership costs, property growth, investment returns, and equity over time.
Best when the decision is close
Lender sanity check
Borrowing power and loan tools
Use the full calculator hub for borrowing power, repayments, extra payments, LMI, split loans, and property comparisons.
Best once income and expenses are known
When the numbers are close
Turn calculator results into a professional handoff.
FHBG can route a prepared first-home-buyer enquiry to the right kind of professional without pretending to give regulated advice on-site.