Your First Home Mortgage Approved

Easy As!

first home buyers - happy in new house

iLender offer the best mortgages for first home buyers

New to the mortgage market?  Don’t worry, we’re not.  At iLender, we’ll answer all your questions, helping you into your first home as quickly as possible.

Getting Started with Your First Home Loan

If you’re wondering what you can afford, the kind of deposit needed, if you can get help from family, whether you get a loan even if you have bad credit, or what the difference is between fixed and floating rates – we have all the answers and are here to help.

Our mortgage experts offer special products to help you achieve your dream of owning a home. We help you understand the changes in loan-to-value restrictions and what this may mean for you and your first home mortgage (and how we get better rates from the Bank!)

First Home Buyers Loan Application

Four easy steps to get your mortgage sorted.

  1. Home Loan Application: Apply online or over the phone, with basic information such as income, current debts, and deposit abilities.

Whether you have perfect credit or not, (not everyone has a perfect track record and we have great mortgages for those with bad credit or arrears) give us a call to find out what we can do for you. We’ll advise you immediately of all your options and get you on the path to home ownership fast.

  1. Pre-Approval: When the Bank says “We like this deal” we get a written offer outlining the conditions, home loan size and rates indication. Then you can go house hunting with confidence.
  2. Conditional approval: The Bank has seen the whole deal, including property, almost ready to go.
  3. Unconditional Approval: When the Bank says “Yes” formally – start packing!
  4. Settlement: The big day! Home loan funds are released from the Bank to your Solicitor and you can move right in.

Make sure any required insurances are in place and get ready to enjoy your first night ‘at home’.

Interested in a first home mortgage? Submit an online enquiry or call 0800 536 337 to take the first step into buying your new home.

Don’t just take our word for it – check out our reviews!

Google Rating
Based on 145 reviews

Best mortgage rates, 10% deposit owner occupied and 20% rental purchase, self employed with no financials and help for those with bad credit or arrears.

Hundreds of reviews on TradeMe and Google makes us your ‘Number 1’ choice.

Call 0800 536 337