Let's see where you stand.

A free, personal assessment for first home buyers. Answer a few questions about your income, deposit and situation, and I'll go through your numbers myself, then get in touch to talk through what's realistic for you.

Just so you know, this isn't an instant calculator. There's no result popping up on screen, I'll actually read what you share and get back to you myself with a proper answer.

No obligation, free initial conversation
I personally respond within a few hours
Access to a wide range of NZ lenders
A real conversation, not a generic quote

Briana McDonagh

Mortgage Adviser · Guardian Smith Mortgages

Every submission reviewed personally, not automated

About You

Situation

Your Numbers

Confirm

Nice to meet you 👋

Let's start with your basic details so I know how to reach you personally once I've had a look.

First Name *

Last Name *

Email Address *

Phone Number *

A bit about your situation

This helps me understand what's realistic in your area and timeframe.

Where are you looking to buy? *

City, suburb or region is fine.

Are you buying alone or with someone else? *

When are you looking to buy? *

Let's look at your numbers

This is what I'll personally go through before I get back to you, so a rough picture is all I need at this stage.

Annual income, before tax *

If you're buying with someone else, combine both incomes. A ballpark figure is completely fine.

Approximate deposit size *

Where is your deposit coming from?

Savings KiwiSaver Gift Other

Select all that apply.

Total existing debt *

Include credit cards, personal or car loans, student loan, and buy now pay later. A rough total is fine.

What type of debt do you have?

Student loan Credit card Car or personal loan Buy now pay later Other

Select all that apply. Leave blank if you selected "None" above.

Ideal purchase price *

What you'd love to spend, not necessarily what you think you're limited to.

Here's what happens after you hit continue: I'll review everything you've shared, then reach out personally to have a proper chat about where you're at and what's realistic for you.

Almost done!

Anything else you'd like me to know? Then hit send, I'll personally review everything and be in touch, usually within a few hours.

Message (optional)

This isn't an automated pre-approval or instant quote. Every submission is read and followed up by Briana McDonagh personally, under Guardian Smith Mortgages. View our privacy policy.