Buying your first home is a big step—but you don’t have to do it alone. Whether you’ve got a small deposit or are teaming up with family to get on the ladder, I’ll guide you through the process and help find the right lending option for your situation.

5% Deposit – Kāinga Ora First Home Loan

The Kāinga Ora First Home Loan lets eligible buyers get into their first home with just a 5% deposit—not the usual 10–20%. Kāinga Ora backs the lender’s mortgage insurance, helping make up the gap.

You’ll still need to meet income, residency, and live-in requirements. Lenders will also review your spending habits, debt levels, and savings. But if you qualify, this option could make home ownership much more achievable.

10% Deposit Home Loans

If you’ve saved a 10% deposit, there are even more options available. I’ll help you make sense of your lending choices and walk with you from pre-approval to moving day—keeping things simple and stress-free for you and your family.

Co-Ownership Loans

Kiwi Bank’s co-ownership loan allows you to buy a home with someone else—a friend, sibling, or parent. You combine your finances and split the cost of ownership, making it easier to afford a home together.

It’s a great option if you’re locked out of the market on your own but want to build wealth as a team.

Ready to take the first step?

Click Let’s Get Started to book a free 15-minute call. I’ll learn about your goals, your current situation, and how I can help you achieve your first home ownership.

If your parents own their home and are ready to help you take over, this could be one of the smoothest and most affordable ways to become a homeowner.

I’ve helped many families make this transition work—and here’s how it usually plays out:

A Price That Works for Everyone

Most parents are happy to sell the property at a price their children can afford—while still unlocking the funds they need for their own plans. It’s about finding a fair, family-first solution.

Using Equity as Your Deposit

In almost every case, parents can gift enough equity to give you a 20% deposit. That means you’ll avoid extra fees and get access to better mortgage rates from day one.

Consolidate Debts into the Mortgage

If you’ve got consumer debt, your parents might be able to gift a bit more equity. This lets you roll those debts into the mortgage—reducing your monthly outgoings and giving you a cleaner financial start.

It’s a win-win. You move into your new home with less stress and a stronger financial footing—and your parents get to support your future while freeing up funds for their own.

Let’s talk about how we can make this work for your family.

Refinancing might sound complicated, but with the right advice, it’s actually pretty straightforward. And the benefits? Huge.

Whether you want to:

- Get a better interest rate
- Lower your monthly repayments
- Consolidate high-interest debt
- Tap into your equity for renovations

I’ll help you make it happen.

We’ll start by reviewing your current home loan and talking through your goals. If refinancing makes sense, I’ll compare lenders, negotiate the best deal, and handle the paperwork—so the process is smooth and stress-free.

You’ll stay in the loop at every step, with expert guidance to help you make smart, confident decisions.

Thinking about refinancing?
Let’s explore your options.

Even high-income earners can feel overwhelmed by debt. Whether it’s credit cards, business loans, tax arrears or just the pressure of keeping up—sometimes you need a reset.

Reset Finances is designed for homeowners with good income and strong equity, but who’ve taken on too much and need a way to regain control.

If the bank has said no, or repayments are getting out of hand, I’ll help you explore non-bank lending options that consolidate your debts into one manageable mortgage. You’ll reduce financial stress, free up cashflow, and create space to breathe again.

This isn’t about quick fixes—it’s about rebuilding. Together, we’ll put a plan in place to help you get back on track and, when the time’s right, move you back into mainstream lending.

If it’s time for a financial reset, let’s talk.