Free 30 minute advice session

Buy your first home with as little as 5% deposit

Auckland's trusted first home buyer specialists. We compare 15+ lenders, handle all the paperwork, and our advice is completely free. Over 232 Kiwi families have bought their first home with our help.

✓ 5% deposit options (Kainga Ora + bank schemes)
✓ Sharp rates across 15+ lenders (best advertised under 4.6% as at April 2026)
✓ Free 30 minute advice session, no obligation
✓ Fast decision — most pre-approvals in 48 hours
★ ★ ★ ★ ★ 232+ five star Google reviews · 10,000+ Kiwi families helped
Dev Dhingra, Fundmaster Mortgage Adviser
Dev Dhingra Mortgage Adviser, Fundmaster
10,000+
Kiwi families helped
$2B+
In lending settled
5.0 ★
232+ Google reviews
13
Years in business
Why Kiwi families choose Fundmaster

We do the hard work, you get the keys

Buying your first home should not feel like running a marathon with no map. Here is what we handle for you.

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15+ lenders compared

We negotiate across ANZ, ASB, BNZ, Westpac, Kiwibank and more to find you the sharpest rate and best terms.

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5% deposit options

Kainga Ora First Home Loan scheme plus bank 5% deposit options. We check your eligibility in minutes.

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All paperwork handled

Application forms, bank statements, LIM reports. We gather it, check it, submit it, and chase it.

Fast pre-approval

Most clients get a pre-approval decision in 48 hours. No queueing, no bank run-around.

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Free advice, always

Lenders pay our commission. You pay nothing. No sales pressure, ever.

232+ five star reviews

Real Kiwi families in real homes. See the Google reviews before you book.

Get Free Advice

1 Your situation
2 Your details
Tell us a bit about your situation so we can give you the right advice. Takes 60 seconds.
$

Combined household income if buying with a partner.

Include KiwiSaver, savings, and any gift or equity.

$

Rough estimate is fine. We will help you refine this.

How it works

Three steps to your first home

1

Tell us your situation

60 second form. Tell us about your income, deposit, and timeline.

2

Free advice session

30 minute call with a senior advisor. We review your options across 15+ lenders.

3

Get pre-approved

We handle all the paperwork. Most clients get a decision in 48 hours.

Dev Dhingra, Founder of Fundmaster
Meet your adviser

Dev Dhingra

Founder & Senior Mortgage Adviser · Auckland, NZ

12+years advising
10,000+Kiwi families
$2B+in lending settled
5.0 ★on Google (232+)

I started Fundmaster 12 years ago with a simple goal: make it easier for Kiwi families to buy their first home. Since then my team and I have helped over 10,000 Kiwis across Auckland and beyond into the homes they wanted, structured refinances that saved hundreds a month, and walked families through every type of loan scenario the banks can throw at us.

When you work with Fundmaster, you're not just getting a broker — you're getting a family of advisers who negotiate across 15+ lenders, handle all the paperwork, and tell you the truth about what's possible for your situation. It's always free to you — lenders pay us when your loan settles.

★ ★ ★ ★ ★ 5.0 rating on Google

Kiwi families in their first homes

Real stories from first home buyers who bought with Fundmaster

★★★★★

"Go talk to the guys at Fundmaster because they will set you up with goals that will achieve your end result, which is buying a house."

First Home Buyers Auckland · English
★★★★★

"Other brokers declined me. I saw a Fundmaster ad on Facebook and reached out. They worked really hard on my mortgage and got it sorted."

Fundmaster Client Auckland · Punjabi
★★★★★

"My application was one of the toughest, but Rochelle, Dave and the team stood by us and got us into our first home. Highly recommend Fundmaster."

Vineet Auckland · English
Case studies

Real stories, real success

We're proud of the positive impact we've had on our clients' lives. Here are some heartwarming stories from Kiwis who've achieved their dreams with our help.

★ ★ ★ ★ ★

From confusion to homeownership

Andy & Annamarie

Andy and Annamarie dreamed of having their own nest to call friends and family to. Like many first-time buyers, they felt overwhelmed and unsure where to start. That's where Fundmaster stepped in. We guided them through the entire process, from clarifying their options to securing the perfect home loan. Today, they're proud homeowners, hosting gatherings in their very own space.

★ ★ ★ ★ ★

A warm welcome to New Zealand

Vikram & Amrita

After moving to New Zealand, Vikram and Amrita felt lost in the unfamiliar property market. Our team, led by Dev, provided the local expertise and personal touch they needed. We helped them navigate the complexities of buying a home in a new country, turning what could have been a stressful experience into an exciting journey. They now highly recommend Fundmaster to anyone looking to buy their dream home in New Zealand.

Questions people ask us

Is Fundmaster really free? +

Yes, our mortgage advice is completely free. Lenders pay us a commission when your loan is approved, so there is no cost to you. No hidden fees, no sales pressure.

I only have a 5% deposit. Can I still buy? +

Yes. The Kainga Ora First Home Loan scheme lets eligible buyers purchase with just a 5% deposit. We help Kiwi families access this every week, and we can check your eligibility in the free advice session.

How long does the advice session take? +

About 30 minutes, by phone or video. We review your income, savings, KiwiSaver, and goals, then give you a clear picture of what you can afford and the next steps.

What if I am not ready to buy for a year or two? +

Perfect time to get advice. We can show you exactly what to do in the next 6 to 12 months so you are in the strongest possible position when you are ready. No pressure to proceed.

Do I need to switch banks to use Fundmaster? +

No. We compare rates across 15+ lenders (including ANZ, ASB, BNZ, Westpac, Kiwibank and more) and find you the best deal. You stay with whoever offers the right loan for your situation.

Your first home is closer than you think.

Get a clear picture of what you can afford and what to do next. Free, 30 minutes, no pressure.

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