Free buyer packs for the next decision.
Free first-home-buyer packs for New Zealand buyers: what to check, what to ask, what to prepare, and when to bring in a qualified professional. Information only — not financial or legal advice.
Use these as a prep layer, not advice.
FHBG helps you get organised before you speak to a mortgage adviser, lawyer, insurer, building inspector, or KiwiSaver provider. We keep the packs practical and conservative because buying a first home is too expensive for vague hype.
Pick the pack that matches your stage
Free packs built around buyer decisions.
Review each pack outline. Email delivery is active — use the form below to get a pack sent to your inbox. Files are not downloadable PDFs; each pack opens as a dedicated page with checklists and next-step links.
Start here
First Home Buyer Starter Pack
The plain-English map from “can we buy?” to “keys in hand”. Best for buyers still working out the order of steps.
Inside this pack
- Buying journey map: budget → pre-approval → search → offer → due diligence → settlement
- Who you need and when: broker/adviser, lawyer, building inspector, insurer, KiwiSaver provider
- Common first-home-buyer mistakes to avoid before you talk to a bank
- Information-only decision checklist so you know when to get regulated advice
Finance ready
Mortgage Pre-Approval Pack
A document and question checklist before you speak with a bank or mortgage adviser.
Inside this pack
- Income, expense, debt, deposit, KiwiSaver, and ID document checklist
- Questions to ask a mortgage adviser before you rely on a pre-approval
- Low-deposit and LVR points to check if you have under 20% deposit
- Repayment stress-test prompts for higher-rate scenarios
Viewing homes
Open Home Inspection Pack
A practical walkthrough checklist for viewing houses without getting swept up by staging and pressure.
Inside this pack
- Exterior, roofline, drainage, moisture, heating, insulation, and services prompts
- Questions to ask the agent before paying for a building report
- Red flags that should trigger a lawyer, builder, insurer, or council record check
- Photo/note structure for comparing multiple homes later
Before auction day
Auction Prep Pack
A risk checklist for going into an unconditional auction with your finance, legal review, and limit set first.
Inside this pack
- Auction timeline and “must be done before bidding” list
- Finance, LIM/title, insurance, and building report checks
- Bidding-limit worksheet so emotion does not set your price
- What unconditional means and why legal/finance checks cannot be left until after
Making an offer
Offer & Lawyer Pack
Questions and conditions to discuss with your lawyer before signing a sale and purchase agreement.
Inside this pack
- Finance, LIM, building inspection, title, insurance, and settlement condition prompts
- Questions to ask your conveyancing lawyer before you sign
- What to clarify with the agent without treating FHBG as legal advice
- Offer-day checklist: deposit, dates, conditions, chattels, settlement, and expiry
Using KiwiSaver
KiwiSaver Withdrawal Pack
A practical checklist for checking timing, eligibility, provider requirements, and solicitor involvement.
Inside this pack
- What to ask your KiwiSaver provider before relying on withdrawal funds
- Typical document flow between buyer, solicitor, provider, and lender
- Timing risks if auction or settlement dates are tight
- Official-source links to check current rules yourself
Almost there
Settlement Pack
The final-week checklist: insurance, final inspection, funds, lawyer confirmation, utilities, and moving day.
Inside this pack
- Final inspection checklist and what to record before settlement
- Insurance, utilities, funds transfer, and keys handover prompts
- Questions for your lawyer if settlement is delayed or conditions are unresolved
- Post-settlement admin: rates, mail, maintenance, emergency fund, and documents
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Choose your pack below. We'll email you a link to a dedicated pack page with checklists and next-step guidance. Information only — not financial advice.
Official sources to check
FHBG is a guide, not an official agency. Use these links to verify current rules and talk to a qualified professional before relying on anything for a purchase decision.
Partner research note
Professionals may register interest in future pilot research. FHBG has no active regional slots, lead-routing service, or partner access to buyer details.