Many people think they need 20%, but that’s not always true. Some banks approve 5% or 10% deposits, depending on your income, spending, savings habits, and KiwiSaver.
If you’re unsure what you qualify for, Amy can calculate your options for free.
Yes! You can use your KiwiSaver if:
You are a first-home buyer
You have contributed for at least 3 years
You’re buying a home to live in
You may be able to withdraw almost all of it.
There is no fixed number. It depends on:
Your income (salary, wages, or business)
Monthly expenses
Any debt you have
Deposit size
KiwiSaver balance
Amy can calculate your borrowing power quickly and clearly.
Yes. Each bank has different rules. One decline does not mean every bank will say no.
Amy often helps clients who were declined get approved by another lender.
Going directly to a bank gives you only one option. Working with a mortgage adviser gives you multiple banks and better choices.
And the best part — Amy’s service is free for clients (the bank pays the commission).
It depends on the file, but on average:
Pre-approval: 3–7 days
Full approval: 5–10 days
Urgent cases: Sometimes faster
The cleaner your documents are, the faster it is.
Amy will support you through every step:
Document checklist
Collecting paperwork
Calculating borrowing power
Choosing the right lender
Submitting your application
Speaking to bank assessors
Explaining everything in simple English or Vietnamese
You only need to talk to one person — Amy handles the rest.
Absolutely. Refinancing can help you:
Reduce interest costs
Lower repayments
Improve cashflow
Restructure your mortgage properly
Many clients save $3,000–$12,000 per year after refinancing.
