Auckland's most trusted first home buyer adviser. We compare 15+ lenders, handle all the paperwork, and tell you straight what you can afford. Free 30 minute call. No pressure. No cost.
We are accredited with every major bank and a wide panel of non-bank lenders, so you see the full market in one place.
Buying your first home should not feel like running a marathon with no map. Here is what we handle for you so you can focus on the fun part: finding the house.
We negotiate across ANZ, ASB, BNZ, Westpac, Kiwibank, SBS, Heartland, AIA and more to find you the sharpest rate and best terms. One bank only knows their own offer. We know everyone's.
Kainga Ora First Home Loan plus bank low-deposit products. We check your eligibility for both in minutes and tell you which one gets you in the door faster.
Application forms, payslips, bank statements, KiwiSaver withdrawal, LIM reports, builder's reports. We gather it, check it, submit it, and chase it. You sign the dotted line.
Most clients get a pre-approval decision back inside 48 hours. No queueing, no being passed between bank staff, no "we will get back to you next week".
Lenders pay our commission when your loan settles. You pay nothing. No sales pressure, no charge if you walk away, no obligation to proceed.
Real Kiwi families in real first homes. Check our Google reviews before you book. We are happy to be judged on what our clients say.
Here is what nobody tells you. Most first home buyers walk into their own bank, sit down with a teller, get a number, and assume that is what they can borrow. They take the rate the bank quotes them. They sign the documents. They move in.
And they overpay by tens of thousands of dollars over the life of the loan.
Why? Because every lender in New Zealand has different policy, different appetite, and different rates depending on your situation. Your bank might decline you while another bank approves you on the spot. Your bank might quote 6.49% while another lender will write 5.89% for the exact same loan. Your bank might insist on a 20% deposit while Kainga Ora will back you at 5%.
The system is not built for you. It is built for the bank. That is where we come in.
Fundmaster sits on your side of the table. We compare every offer, push for the sharpest rate, structure the loan to save you money over the long run, and walk you through every step. And because lenders pay our commission, our advice is completely free to you.
Over the last 13 years we have helped more than 10,000 Kiwi families into their homes. We know what works. And we are happy to tell you straight whether buying now is the right move, or whether 6 months of preparation will save you a fortune.
| Fundmaster | Going direct to one bank | |
|---|---|---|
| Lenders compared | 15+ banks and non-bank lenders | 1 (whoever you walked into) |
| Rate negotiated | Yes, every time, across the market | Carded rate, take it or leave it |
| 5% deposit options | Kainga Ora + bank schemes both checked | Only their own product |
| Self-employed / contract income | Multiple lenders matched to your income type | One policy, often a no |
| Less than perfect credit | Non-bank lenders unlock if needed | Usually declined outright |
| Paperwork handled | End to end by our team | You |
| Pre-approval timing | 48 hours for most clients | 1 to 3 weeks |
| Cost to you | $0, lenders pay our commission | $0, but you pay in time and worse rates |
Main banks, second tier banks, and non-bank lenders. We know who is sharp on first home buyer lending this month and who has tightened up. You see the full menu, not one option.
We process Kainga Ora First Home Loan applications every week. We know the income caps, the property price caps, the lender panels, and the workarounds. If 5% deposit is your only path, we will find it.
You do not have to wait two weeks. We package your application properly the first time, send it to the right lender, and chase it. Most clients have a written pre-approval in hand within 48 hours.
Self-employed, contract income, recent migrants, casual workers, low credit, low deposit, previous declines. We have placed lending in every category. If there is a path, we will find it.
Lenders pay our fee when your loan settles. You pay nothing. If we tell you to wait 6 months and prepare, that is the advice you get. We earn our reputation by being straight with you, not by pushing a sale.
Founder & Senior Mortgage Adviser · Auckland, NZ
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.
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."
"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."
"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."
The Kainga Ora First Home Loan scheme is underwritten by Kainga Ora and offered through partner lenders. If you qualify, you only need 5% deposit to buy your first home. To be eligible:
We check all of this for you in the free advice session and tell you straight if you qualify.
If you have been in KiwiSaver for 3+ years, you can withdraw most of your balance for a first home deposit. You must leave $1,000 in the account, but everything else (your contributions, your employer contributions, and government contributions) can come out.
Many of our clients combine:
We pull all four levers in the right order so you get the best possible result.
"We had no idea if we could even afford a house. Dev and the team walked us through everything, found us a 5% deposit option, and got us into our first home. We honestly could not have done it without them."
"My own bank declined me twice. Fundmaster took the same information, sent it to a different lender, and I had a pre-approval in 3 days. Completely changed our family's situation."
"The advice was straight and honest. They told us to wait 4 months and clear a small debt first. We did, and ended up with a much sharper rate. Best free advice we have ever had."
Here is exactly what happens from the moment you submit the form to the day you settle. We walk every step with you.
30 minute call with a senior adviser. We review your income, deposit and timeline.
We package your application and pitch it to the lenders most likely to say yes at the sharpest rate.
You get a formal pre-approval letter in writing showing exactly how much you can spend.
Go shopping with confidence. We are on call to confirm finance on any property you put an offer on.
Once you have a property under contract, we move from pre-approval to full unconditional approval.
Solicitor handles transfer, loan funds drawdown, and you collect the keys. Welcome home.
Every situation is different. Some clients move from advice call to keys in weeks. Others spend 6 to 12 months strengthening their position first. We pace it around you, not the other way around.
Free, no obligation, 30 minute call.
Simple, fast, and free. Most clients are pre-approved within 48 hours of the first call.
60 second form below. Tell us about your income, deposit, KiwiSaver, and timeline. We do the rest.
One of our senior advisers calls you, reviews your options across 15+ lenders, and tells you what you can actually afford.
We handle all the paperwork. Pre-approval in hand within 48 hours for most clients. Then go find the house.
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.
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.
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.
"Sandra at Fundmaster was unreal. She negotiated a rate 0.4% sharper than what my bank quoted me. That is roughly $230 a month back in our pocket. Took her one phone call."
"I had 5% deposit and three lenders told me no. Dev took one look, said Kainga Ora was the right path, and we were in the house within two months. Cannot recommend them enough."
"As a contractor my bank kept asking for two years of trading. The Fundmaster team found a lender who would write the loan on one year. Pre-approved in 48 hours. Job done."
You will never receive a bill from us. Lenders pay our fee when your loan settles. If we cannot help, you walk away owing nothing.
We will tell you the truth, even when it is "not yet". If buying in 6 months will get you a much better outcome, that is the advice you get.
We do not sell or share your information. We use it only to find you the right loan. NZ Privacy Act 2020 compliant.
Yes, completely free. Lenders pay us a commission when your loan settles, so you pay nothing for our time, advice, or paperwork. No hidden fees, no sales pressure, no obligation to proceed.
In most cases, yes. The Kainga Ora First Home Loan scheme and several main bank low-deposit products allow eligible buyers to purchase with just 5% deposit. We check your eligibility in the free advice session and tell you straight if it stacks up.
Absolutely. We work with 15+ lenders, not just main banks, so a less than perfect score does not automatically rule you out. We also help clients improve their position over 3 to 12 months so they qualify for the sharpest rates.
No. We help self-employed Kiwis every week. Banks have different rules around contract income, sole traders, and company directors. Knowing which lender will say yes to your situation is exactly what we do.
About 30 minutes by phone or video. We review your income, savings, KiwiSaver, deposit, and goals, then give you a clear picture of what you can afford and what to do next.
Perfect time to get advice. We give you a roadmap to put you in the strongest possible position when you are ready. No pressure to proceed.
No. We compare rates across 15+ lenders including ANZ, ASB, BNZ, Westpac, Kiwibank and more, then recommend the best fit. You stay with whoever offers the right loan for your situation.
One bank only knows their own rates and policies. We negotiate across the whole market, so you see what every major lender will actually offer you in writing, not just one option. We also handle the paperwork end to end.
Get a clear picture of what you can afford, which lender will say yes, and what to do next. Free, 30 minutes, no pressure. 232+ five star Google reviews from Kiwi families who got the keys.
Get my free advice →Or call us on 021 314 153
