Take the First Step

Hello, we’re First Step Home Loans and we’re here to roll up our sleeves and offer insightful, informed and flexible financing options to make building a reality for you.


We may be new on the block, but we have over 30 years experience in construction and banking in New Zealand. So rest assured, when it comes to finding a construction loan to finance your dream building project, you’re in very capable hands.

With our extensive knowledge of building processes and the steps required to get your home loan from pre-approved through to fully approved, you’ll be ready to break ground and lay the foundations of your new home in no time.

Step With Us

You may have been house hunting for a while, not found what you have wanted and wondered if perhaps you could build better? Or maybe you are in the situation where you’ve seen the perfect section and want to know how much you can afford to spend on the build? That’s where we step up and work with you to see how much you can borrow, give you sound advice and find the home or construction loan that is the best fit for you.


We know you’ll have lots of questions and we’re here to answer them for you.


As an independent finance broker First Step Home Loans are working for you! We’re here to do all the leg work while you either house hunt or choose a house design to build. We’ll let you know what documents you’ll need, when to submit them and to whom to get the exciting process of owning or building your new home started!

To see what you can afford to borrow, enter your details into our mortgage calculator below:

Loan Amount
Years to Pay Length
Monthly Repayments
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* This Calculator is an estimate of repayments only. For an accurate estimate on how much your repayments will be, please contact our team.

You’ll need to get in contact with us so we can start answering your questions. Either call us on 0800 739 839 or email us at [email protected]


Then we will need to collect information on you, how much deposit you have, who you bank with and what income you earn to help us assess how much you can borrow. No point in looking outside your budget - best to know what you can afford from the outset.


Now to decide whether building new, or buying an existing property is the way you want to go. We are here to help you work out which is the best option for your personal situation. Check out our Building Loans page to see what styles of loans work for building and have a read of Home Loans descriptions to get your head around the basics.


Now this is the bit where we really work with you to start finding the best home loan or construction loan for you and your personal situation.

As you start to dig deeper into the possibility of building your new home you’ll be starting to realise there are an overwhelming number of options. That’s where we step in and can set out your options and advise what will work best.

Apricity Finance
Asap Finance
Avanti Finance
Bank of China
Cressida Capital
ABR Property Financiers
First Mortgage Trust
General Finance
Gold Bank Finance
Liberty Financial
NZCU South
SBS Bank
Southern Cross
Strata Funding
The Cooperative Bank
Western Union
China Construction Bank