Our Process

You may have been house hunting for a while, not found what you have wanted and wondered if perhaps you could build better? Or you 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 there’s lot of questions you’ll have and we’re here to answer them for you.

As an independent mortgage advisor, 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!


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 you’ll need to collect documents to prove your income and savings to help assess how much you can borrow. No point in looking outside you’re 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 give financial advice on both options. 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 step up and take over - we will start looking into the best home loan or construction loan options for you and your situation.

Who are we?

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 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.


That’s who we are, but what’s important is what we can do for you! We’re the one who does the ground work and presents you the best options for your Home Loans. We’re the ones here answering your questions and guiding you through the process. Making sure each step is taken with you so you feel 100% confident and understood.

We’re also here to demystifying the finance process and empower you. Since we have experienced the excitement and value that can come from a new build we use this to drive our passion to find the best structure for you and the most likely path to a successful build.


You know that we’re working for what’s best for you because we feel obligated to get you the best deal. Now you might be wondering ‘How much is this going to cost me?’ We’ll, sit down because the grand total to you is… Nothing!

Richard Goodall

Richard Goodall
  • BCom
  • Diploma in Banking
  • Business Diploma
  • Registered Financial Advisor

Richard Goodall, Financial Advisor at First Step Home Loans.

Raising capital to build your first home can be hard, that's why I am here to help. I have a background in banking with over eighteen years experience, I am passionate about helping you get into your first home.

As a father of three and having many successful businesses under my belt I understand the value of family and getting the balance right. If you need someone to take you through the steps to getting into a new home then I am the man to talk to. Let’s get started today!



M: 021 554 982
E: [email protected]


Jenny Matano

Financial Advisor  
Jenny Matano
  • New Zealand Certificate in Financial Services L5
  • Core Knowledge with Residential Property Lending Strand

I’ve recently started my journey in the Mortgage Advisory space after 18 years working in the banking industry, specialising in Home Lending for the last 8 years.

I have experience and a passion for property investing. I’ve been involved in speaking engagements with community work shops for first home buyers. My ultimate goal is to help increase the overall percentage of home ownership in New Zealand, specifically in communities that represent the lowest percentage.

I'm outgoing, bubbly and an easy going person who loves to spend time with family, travel, watch movies, sports and playing socially.



M: 021 079 5546
E: [email protected]


What we stand for

We believe in open communication with you. While providing a realistic and informed view on construction projects from go to whoa, to assure you that you’re dealing with a business of integrity.

We promise to keep the construction dream alive for you. We promise to be a pathway and not a roadblock, by using our financial experience and knowledge of the construction industry to find a lender that will structure a financial package that facilitates the building of your  home. While arming you with the confidence and excitement needed to see the project though. We are about finding easier access to the best deal to fit your circumstances and project budget. First Step Home Loans are here to save you from the dreaded “NO”.