We'll arm you with all the info you need, help you steer clear of the traps and sort you out with the best possible deal from the bank. We've even put together a handy with answers to questions you probably haven't come up with yet.
We've built our entire business around making sure the house buying process runs as smoothly as possible for you, leaving you to get on with the fun stuff, like planning your first BBQ.
We do a lot more than negotiate a good deal with the bank. Here's a snapshot of what we'll do for you:
If you like details, here are a few more reasons to use a mortgage broker (50 to be precise).
See for yourself what our clients think with over 1249 5 star reviews on Shopper Approved.
Christchurch, New Zealand
I haven't had much interaction with squirrel but from what i have had , it has been really good and also informative.M
Auckland, New Zealand
Very Professional - always willing to go above and beyond to help with what was a difficult situation.K
Auckland, [New Zealand]
Lindsey was recommended to us by my brother and he was excellent. Very knowledgeable and efficient and easy going to deal with. We will be back to see him later this year.M
Christchurch, New Zealand
we never used a broker before but htey made it so easy. Helped with all the challengers, Gave the best advice.D
Auckland, New Zealand
broker gave us good advice , was so professional and to the point. SO helpful and so responsive. Wouldn't own a house without our broker.M
New, United States
I don't remember the name of the broker but i thought she was fantastic. This Woman went above and beyond. She suggested things that made her life harder but made ours alot better.!!G
Auckland, New Zealand
It was initially scary as we didn't know what to do but squirrel adviser helped me get what i was entitled to and im really thankful for that.J
Tauranga, New Zealand
For first time buyers we felt totally in good hands , everything was easy and once we supplied information the process just flowed. Paul was incredible , he kept us informed and kept checking in. We were offered so much advice when buying.N
If you’ve got all the legal and financial stuff sorted early you’ll get in first on the great properties. Almost makes you feel sorry for everyone else. Almost. Tip: we can help you with this.
A mortgage is a huge sum of money, which means squeezing what feels like loose change out of your bank can save you thousands of bucks in the long run. Seriously. Get your mortgage right and it's the easiest money you'll make.
Don’t fall for their free-tv-cash-back-free-groceries-for-a-year trickery – choose the right mortgage, and you’ll be able to buy your own TV. Being on salaries (therefore unbiased), Squirrel advisers won't get sucked into sending you to a specific bank either.
It's usually the first thing to figure out, so you have a realistic idea of what house you're going for, what area and what kind of houses are in your price range. Our handy dandy calculator will help figure this out for you.Find out how much you can borrow
Most first home buyers will use their KiwiSaver as part of the deposit. But how does it work and how do you get it out? Here's everything you need to know.Everything there is to know about using KiwiSaver
When it comes to borrowing, the bigger the deposit the better. Yep 20% is a hefty chunk, but it’s ideal so you don’t have to pay extra interest. It's not as black and white as you might think though. As well as KiwiSaver, there are a few ways of making up that 20%.Learn the ins and outs of deposits
When we’re talking hundreds of thousands of dollars, a fraction of a percent change in interest or repayment rates can save you a packet. Having said that, life’s not all about money and sometimes it’s better to go with the lender that works for you long-term rather than saving some dollars in the short-term. We can help you make the right choice.Understanding your mortgage
We have tons of blogs just for you, young home buyer. Arm yourself with all the knowledge you can so you've got the edge above your competition.All articles
It’s easy to get caught up in the news headlines and neighbourhood chatter about what’s happening in the property ma...
Buying a home is a tricky business. There are so many considerations to take into account.
We get asked hundreds of questions from Kiwis about buying their first home, so we decided to put our heads together...
Stay up to date with what's happening in the property market, and get the latest tips and tricks to help with your journey to your first home.
Filling in our online application gives us enough information to have a good chat about what you're wanting to achieve, and focus on the stuff that's important to you. In a nutshell, we'll meet with you to discuss next steps, answer any questions you may have and once you're ready, we'll submit an application for pre-approval to the bank on your behalf.
Once you're pre-approved, you'll be in a strong position to hit up all the open homes your heart desires! We'll be just a phone call or email away to answer any questions you have, or to put any properties you're interested in under the microscope and give our thoughts on it. We can also help with all the due diligence like arranging building inspections and valuations, and looking over the LIM report.
Eventually when you find the one, we'll walk you through the process of purchasing. After all of that, we arrange your finance, negotiate a sweet deal with the bank and structure your mortgage in a way that works for you.
If you're a first home buyer you can withdraw KiwiSaver contributions made by you and your employer to use as a deposit towards your new home if you meet these conditions:
Have a read of this article for everything you need to know about using your KiwiSaver.
It normally takes less than three days to arrange finance but it pays to get organised ahead of time. Every now and then, the banks can be a bit slow, especially if the mortgage is over 80% of the property’s value. So, if you are borrowing over 80%, allow for 5-7 working days to get an approval. Bottom line is, the earlier you talk to us and get things rolling the easier it’ll be for all.
You normally agree to pay the deposit once the sale goes unconditional. Occasionally real estate agents ask for the deposit upfront but this isn’t all that common.
Although it is best to pay the deposit on the day you go unconditional, this is often not possible because of the amount of paperwork required to get temporary facilities in place. If this is the case, you can go unconditional and just let the agent know that the deposit will be paid within 48 hours.
Always check with your solicitor – you have three working days from being served notice (by the vendor’s solicitor) to pay the deposit. This means you have at least three working days from going unconditional to pay it. That’s enough time to search through a few couches – or set up alternative arrangements.
Remember: The KiwiSaver rules changed recently to allow the early release of funds to be used as a deposit. This needs to be managed through your solicitor and is worth getting underway as early as possible.
Head over here - we've put together an A-Z of what every potential first home buyer needs to know.