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Briana McDonagh — Mortgage Adviser

Your free first home toolkit

Tools, guides, calculators and interactive checklists — everything you need from first thought to settlement day.

Calculators and tools

Budget planner

Income, expenses and monthly surplus

Calculator

Repayment calculator

Loan, rate, term and extra payments

Calculator

Savings and goal tracker

Deposit target with milestone timeline

Interactive

Split loan calculator

Build and compare loan structures

Calculator

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Getting ready to buy

Are you ready? quiz

Find out where you stand as a first home buyer

Quiz

Deposit sources explained

KiwiSaver, savings, gifts, assets and equity

Guide

Saving tips for your deposit

Practical strategies to save faster

Guide

Bank statement check

How does your account conduct look to a lender?

Interactive

Jargon glossary

LVR, DTI, OCR and more in plain English

Searchable

Hidden costs of buying

LIM, builder's report, legal fees and more

Guide

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Loan and finance guides

Loan structure types

Fixed, floating, revolving credit and more

Guide

Kāinga Ora explained

First Home Loan guide, from 5% deposit to eligibility

Guide

Kāinga Ora qualifying quiz

Find out where you stand for the First Home Loan

Quiz

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The buying process

The mortgage process

From first chat to getting the keys

Guide

House sale types

Auction, deadline, tender and negotiation

Guide

How to make an offer

Conditions, deposits and negotiation

Guide

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Open home tools

Open home inspection tool

Checklist, flag concerns and rate properties on your phone

Interactive

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Moving and settling in

Moving checklist

Personalised dates from your settlement day

Interactive

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