Home Loans And Building Loans Made For You

Step this way! 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’ve seen the perfect house and want to know if you can afford it? At First Step Home Loans we’re here to roll up our sleeves and offer insightful, informed and flexible financing options to make your new home a reality.

With over 30 years' experience in construction and banking in New Zealand, we have extensive knowledge of building processes and the steps required to get your home loan from pre-approved through to fully approved. We’ll 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, and get the exciting process of owning or building your new home started!

To learn more about our home loan and home building finance options, download our information pack.

FSHL Information Booklet image

Use the calculator below to get an estimate of how much your repayments could be. Enter the loan amount you are considering borrowing, the interest rate and the period of time in which you will pay off your home loan (loan term).

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

You’ll need to get in contact with us so we can understand your financial situation and what you’re wanting to achieve. This is a good time for us to answer any questions you have.


Then we will help you choose a lender, collect the necessary documentation for your home loan application, and will lodge it for you.


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.


Now, this is the bit where we work out the best structure to suit your lifestyle and negotiate your mortgage for you. You can start the build or move in!

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