How it works
Four simple steps to get you from scrolling property listings to holding your keys
Tell us about you
Quick 2-minute form about your homeownership goals and financial situation. No paperwork yet!
Get matched
We connect you with a broker who specializes in first-home buyers and knows your area.
Get pre-approved
Your broker walks you through the process and helps you understand what you can afford.
Find your home
Start house hunting with confidence, knowing exactly what's in your budget.
Current Market Overview
Stay informed with the latest property prices and interest rates across New Zealand
Market Snapshot
Across all major NZ banks
Up 0.8% from last year
Current Median House Prices
Data from REINZ, updated February 2026
Current Mortgage Rates
| Bank | 1 Year | 2 Year | 3 Year | Floating |
|---|---|---|---|---|
| ANZ | 4.49% | 4.89% | 5.19% | 5.84% |
| ASB | 4.49% | 4.75% | 5.09% | 5.79% |
| BNZ | 4.49% | 4.69% | 5.09% | 5.84% |
| Kiwibank | 4.49% | 4.69% | 5.09% | 5.94% |
| Westpac | 4.49% | 4.89% | 5.19% | 5.84% |
Rates from mortgagerates.co.nz, updated 14 February 2026
Why choose Approve Me?
Perfect Match
We only connect you with brokers who specialise in first-home buyers
100% Free
No hidden fees, no charges. Your broker gets paid by the lender
Fast & Easy
Get matched in minutes, not weeks. Start your journey today
Real stories from real homeowners
Don't just take our word for it—here's what first-home buyers are saying
I was so overwhelmed by the mortgage process, but Approve Me matched me with a broker who explained everything in plain English. Got pre-approved in 2 weeks!
As a self-employed person, I thought getting a home loan would be impossible. My broker found me the perfect solution. Moving into my place next month!
Best decision ever! The whole process was actually enjoyable (never thought I'd say that). My broker was like having a friend in the industry.
Frequently asked questions
Everything you need to know about getting started