First Home Loan Hamilton | Mortgages with Andre Stokes

First Home Loan Advice in Waikato – Simple, Clear, Stress-Free

Helping first-home buyers understand mortgages, compare options, and get personalised advice.

Buying your first home in Hamilton? We make it simple to find the right First Home Loan Hamilton for you. From KiwiSaver first-home withdrawals to Kainga Ora First Home Loan programs, we guide you step by step.

Andre was very professional in approach and friendly at the same time. We got all the information at the right time and stage. Very pleased with the outcome. Keep up the good work.

Andre is great - knows what he's doing and gets the job done. Was a very easy experience buying our first home very happy!

Andre was awesome! Helped us through the madness of buying our first home, professional, knowledgeable, responded quickly to our questions and he a great sense of humor. From Anton and Jess.... A BIG THANK YOU!!!

Andre has been our mortgage broker for our first and second home purchase and he guided us through the entire process. He's always available for a chat and happy to talk night and day, even when he's on holiday! He has always negotiated competitive interest rates and also advises us regarding our insurance options. Happy days!

Why First Home Buyers Need Expert Guidance

Many first-home buyers don’t know where to start when it comes to mortgages. From understanding first home loan options to navigating mortgage broker services in Hamilton, having a local adviser makes all the difference. We simplify the process and explain everything in plain English.

Our First Home Buyer Services Include:

First home mortgage advice Waikato – personalised guidance for your situation
Mortgage options comparison – see what works best for you
Step-by-step guidance – understand how mortgages work in NZ
Local support – expert advice from a trusted Hamilton mortgage broker

Ready to Take the Stress Out of Your First Home Purchase?

Book your free consultation with Andre Stokes today and get first home loan advice in Waikato tailored to you.

Buying Your First Home in New Zealand – Step by Step

Step 1: Check Your Finances

Review your savings, income, and expenses.
Calculate your deposit (usually 5–20% for first-home buyers).
Check your credit score — a good credit history can help secure a better mortgage.

Step 2: Understand Your Mortgage Options

Learn how mortgages work in NZ
Compare mortgage types: fixed, floating, or mixed.
Consider working with a mortgage broker for expert guidance.

Step 3: Get Pre-Approval

Apply for a pre-approved mortgage to know your budget.
Pre-approval shows sellers you are a serious buyer.
Makes your home purchase faster and smoother.

Step 4: Start House Hunting

Research areas in Waikato or your target location.
List your must-haves vs nice-to-haves.
Attend open homes and ask questions about the property and neighbourhood.

Step 5: Make an Offer

Decide on your offer price based on market value and your budget.
Include conditions like LIM reports, building inspections, or finance approval.
Negotiate with the seller if needed.

Step 6: Complete Legal & Financial Checks

Engage a lawyer or conveyancer to handle legal documents.
Conduct a building inspection and check council records.
Finalise your mortgage and arrange insurance (home, contents, life if desired).

Step 7: Settlement & Moving In

Your lawyer arranges settlement day — funds are transferred, and ownership is confirmed.
Collect the keys and move in!
Plan for ongoing mortgage repayments.

Tips for First-Home Buyers in New Zealand

Always work with a trusted local mortgage adviser.
Keep an emergency fund for unexpected costs.
Use online resources to understand your rights and responsibilities.

Ready to Take the Stress Out of Buying Your First Home?

Book your free consultation with Andre Stokes today and get personalised first home loan advice in Waikato.