New Home Loans

Helping First Home Buyers Step Onto the Property Ladder with Confidence

From Pukekohe to anywhere in New Zealand — our expert mortgage advisers guide you every step of the way, from enquiry to settlement.

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First Home Buyer Mortgage Advice — Based in Franklin, Helping Kiwis Nationwide

Buying your first home should feel exciting — not overwhelming. At Counties Home Loans, we help first home buyers across New Zealand (and right here in Pukekohe & Franklin) make confident, informed decisions about their mortgage. Whether you’re just starting to save, or already house-hunting, our trusted advisers simplify every step — from KiwiSaver and deposits through to loan approval and settlement. We’re here to take the stress out of the process so you can focus on the big picture: owning your own home.

At Counties Home Loans, we turn complex mortgage jargon into clear, practical advice — helping you move from uncertainty to confidence with every step.

How it works

What to Expect on Your First Home Journey

Understanding What You Can AffordKiwisaver & Deposit Guidance

Understanding where you’re at

Not sure how far your savings will stretch? We’ll show you how KiwiSaver and your personal savings gifts and guarantees can boost your deposit. Our team breaks down the numbers so you can see exactly what’s possible — whether you’re buying in Franklin or anywhere in New Zealand.

Pre-Approval Explained

Giving You Confidence Before You Buy

Pre-approval gives you clarity and confidence when it’s time to make an offer. We’ll guide you through the paperwork, explain lender requirements in plain English, and make sure you’re ready to act when you find the right home.

Tailoring the Structure

More than just a rate

A lower interest rate is only part of the picture. We’ll help you design a loan structure that supports your long-term goals, gives you repayment flexibility, and helps you feel in control of your finances.

Implementing the Change

Support through every step

From paperwork to settlement, we’ll liaise directly with lenders and keep you updated at every stage. You can relax knowing your refinancing journey is being handled with care and expertise.

Here’s What Our First Home Buyers Say

Our Lenders / Partners

We partner with major banks and trusted lenders across Auckland, Franklin, and throughout New Zealand — giving you more choice, better flexibility, and smarter mortgage solutions tailored to you.

Ready to take the next step?

Get in touch with our team – or try one of our smart mortgage tools to explore your options first.

Mortgage Repayment Calculator

See What Your Repayments Could Look Like on Your First Home Loan

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Frequently Asked Questions When Buying Your First Home

You can also read our full FAQs page
for more home-buying answers.

What do I need for my first mortgage?

You’ll usually need a deposit (often boosted by KiwiSaver or grants), proof of income, and a good understanding of your budget. We’ll guide you through what’s required.

Can I use KiwiSaver for my first home loan?

Yes. Most first home buyers can use their KiwiSaver savings — and sometimes a First Home Grant — to put towards a deposit. We’ll explain exactly how it works.

Why should I use a mortgage broker?

Working with Counties Home Loans means you get personalised advice, access to multiple lenders nationwide, and ongoing support throughout your journey. We see you as a person, not paperwork — and we make the process easy.