How low-deposit lending options open an important pathway for many first home buyers.
With ASB joining the Kāinga Ora First Home Loan scheme, eligible borrowers may be able to purchase with a smaller deposit than standard lending typically requires.
While this can reduce the upfront barrier, it's still important to consider long-term affordability, loan structure, and overall financial goals.
Not every low-deposit option suits every situation. Understanding the criteria and weighing the pros and cons ensures buyers make informed and sustainable decisions.
Key Mortgages shares details with Good Returns how expanded low-deposit lending options may help eligible first home buyers enter the market sooner and with better pricing
Westpac may cut trail commissions, risking ongoing client support and advice. Key Mortgages delivers 10 years of trusted, ongoing mortgage advice without extra fees.
Couple’s complaint over costly break fees after fixing five-year mortgage at 6.29%–6.66% rejected.
Key Mortgages suggests keeping up higher repayments following fixed mortgage rate to currently 4.49%. Repayments over a 20 year term are now similar to what peak market rates payments were over a 30-year loan term.
Jeremy chats with Andrew from NewsTalk ZB about OCR drops affecting mortgage market, turnaround times, and increasing demand.
Key Mortgages shares detail on how credit rating scores can impact your ability to borrow. Talk to us for more information on how to put your best foot forward with main banks
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