First Home Buyers | Lighthouse Financial

First Home Buyers

Buying your first home is a special milestone, but sorting your first mortgage can make the process more stressful than it needs to be.

We take the stress out of getting your mortgage sorted. Our experts will ensure that the process runs smoothly and you gain access to flexible lending rates and KiwiSaver subsidies.

First Home Buying


We get paid by the bank

Includes the following:

  • Assessing your situation
  • Organising pre approval
  • Help finding a property
  • Identifying the best rates for your situation
  • Assistance with settlement
  • Post settlement check in


How much does it cost to work with a Mortgage Adviser?

We are paid by the lenders so there is no costing with working with us (most of the time). If there is any occasion where we do need to charge a fee, you will be told upfront so you can decide on if you want to proceed or not.

What can I expect in our first meeting?

Once you book in your first meeting with one of our mortgage advisers, we'll send you a fact find to complete. This saves about 20 minutes in our meeting. You'll also tell us your goals and send us any documents required - we'll let you know what we need from you (also saving you time in the long run). We're going to use that meeting to see if there's anything the banks might pick up on before we send in your application.

What happens after our first meeting?

Your mortgage adviser will run your numbers through our calculators. This is to see which bank is right for you. Once we've agreed on a lender, we will submit your mortgage application. Some banks are slow. It can take up to 10 days to get your application approved (sometimes even longer). There can be a bit of back and forth but we're here every step of the way.

Can I go directly to the bank?

Of course you can go to the bank directly, however they can only advise on their products. Bankers are also not registered financial advisers and can't help you make changes to your situation to help you borrow more.

Mortgage Services

The Team

We use our expertise to guide the way to wealth and prosperity through business, investing and property

Andrew Armstrong

Mortgage Director

+64 27 224 0159 Book Meeting

Makayla Edwards-Russell

Mortgages Operations Manager

Ethan Thomas

Credit Writer

Talk to us

Our team are here to help get you started or to simply have a chat.

Tell us your unique requirements and find out how we can help


Property Investors

First Home Buyers

Property Investors

We specialise in helping you create long-term sustainable wealth via property investment and have access to a wide range of lenders who can help, no matter the situation.

Learn More

Over 100 5-star Google reviews

Absolutely unbelievable service from Andrew and Laura. They helped us buying our first home in what is a very difficult process to get your head around at times. Felt in such safe hands with them.

Ash was fantastic to deal with, a great communicator and always available to answer any questions we had in regards to our insurance needs. He made the whole insurance process very easy for us from start to finish.

We feel that this is the best money we have ever spent, James and the team have worked hard to give us a plan that sets us up for a secure retirement, with regular meetings to hold us accountable.

After listening to one of their podcasts, I reached out to get my life/income protection insurance sorted. Ash was super helpful throughout the process. I'd definitely recommend you reach out!

The whole team at Lighthouse have been amazing in servicing all my personal and business needs. The team are friendly, attentive, and focused on delivering the best financial solutions tailored to my individual circumstances.