Looking to buy your first home?
Enter your details below to get all the details on the Kāinga Ora First Home Loan or check out our First Home Buyers Checklist to help you on your journey.
First Home Buyer Guides & Resources
Buying your first home can feel overwhelming, especially when you’re trying to understand deposits, lending requirements, interest rates, pre-approvals, and government support available in New Zealand.
Our Float Buyers Guides are designed to make the process easier. Whether you’re preparing to purchase your first home, exploring investment opportunities, or simply wanting to better understand the property market, these free resources provide practical information to help you move forward with confidence.
Working closely with buyers across Auckland and South Auckland every day, we understand the challenges many purchasers face when entering the market. From saving a deposit to understanding finance options and navigating auctions, there are a lot of moving parts involved in buying property. Our goal is to help simplify the process and give buyers access to clear, useful information.
What’s included in our buyers guides?
Our downloadable guides cover topics such as:
- First home buying steps in New Zealand
- Understanding deposits and home loans
- Kāinga Ora First Home Loan information
- Mortgage pre-approval tips
- Auction buying advice
- Understanding interest rates and repayments
- Property buying checklists
- Tips for preparing financially before purchasing
These guides are designed for first home buyers, investors, and anyone wanting to better understand the New Zealand property market.
Buying property in Auckland
The Auckland property market is constantly evolving, with different suburbs and price points presenting different opportunities for buyers. Whether you’re purchasing your first home, upgrading, investing, or relocating within Auckland, having the right guidance can make the process far less stressful.
From understanding lending criteria and interest rates to preparing for auctions and navigating conditional offers, there are many moving parts involved in buying property. Our Float Buyers Guides are designed to help Auckland buyers feel more informed and confident throughout the process.
At Ray White A T Realty Group and Float Home Loans, we work with buyers across Auckland every day — from first home buyers entering the market through to experienced investors growing their portfolios. Through our wider network of property and finance professionals, we help connect buyers with the right support, resources, and advice to help them move forward with confidence.
Whether you’re searching in South Auckland, Central Auckland, East Auckland, West Auckland, the North Shore, or anywhere in between, our goal is to provide practical information that helps you make smarter property decisions.
Frequently Asked Questions
The required deposit depends on your lender, financial position, and the type of property you are purchasing. Some buyers may qualify for lower-deposit lending options through selected schemes or lenders.
Pre-approval is an indication from a lender showing how much you may be able to borrow before purchasing a property. It can help buyers understand their budget and act more confidently when making offers or bidding at auction.
Yes. Many first home buyers successfully purchase properties at auction. It is important to have finance approved beforehand and understand the auction process before bidding.
The Kāinga Ora First Home Loan is designed to help eligible buyers purchase a home with a lower deposit through participating lenders.
Yes. All Float Buyers Guides and checklists are free to download.