Buy With Just 5% Deposit.
Most first home buyers think they need 20%. Depending on your income and situation, some lenders will approve you with 5 to 10%. We know which ones, and our advice costs you nothing.
- Low deposit options from as little as 5%
- Low deposit lending options explained clearly
- 20+ lenders, we find who will say yes
- Pre-approvals often within 48 hours
Find out what you can borrow
Three quick questions. No cost, no obligation.
Step 1 of 4
Thanks, we have got your details.
One of our advisers will call or text you within one business day.
Our lender panel includes 20+ banks and lenders
Think you can't buy yet? Let's check.
Most first home buyers overestimate how much they need and underestimate what's available to them.
"I need a 20% deposit."
Not always. Some lenders approve loans with as little as 5 to 10% deposit depending on your income and situation.
"My bank said no, so nobody will lend to me."
Every lender assesses differently. A no from one bank is not a no from the market, and we work with 20+ of them.
"My bank already said no."
Banks only offer their own products. We have access to 20+ lenders including non-banks who have different criteria and often say yes.
"The process will take months."
Most of our first home buyers have a pre-approval in hand within 48 hours of their first call with Varun.
Why first home buyers choose Finance World
We have helped over 150 Kiwi families buy their first home. Here is what makes us different.
We Know First Home Buyers
Low deposit options and lenders who say yes to first home buyers. We have helped 150+ Kiwi families navigate every step of the process.
20+ Lenders on Your Side
Your bank will only offer their own products. We compare 20+ banks and lenders to find who will lend to you and on the best terms.
Free Advice, Paid by the Lender
Our advice costs you nothing. We are paid by the lender once your loan settles, so you get expert guidance at zero cost.
Varun Bhatti, Your First Home Adviser
Varun and Hardeep have helped 150+ Kiwi families across South Auckland get into their homes, including many first home buyers who were told "not yet" by their bank. You deal with your adviser directly, everything is explained in plain English, and we do not stop until you have a result.
Based in Manurewa, he knows South Auckland and the lenders who understand this market. There are no call centres, no handoffs, just honest advice from someone who genuinely cares.
Testimonials
What our clients say
Verified reviews from our Google Business Profile.
“Varun and the team provided me with really solid advice and guidance around buying my first home. Thanks again team!”
Jason Singh
First home buyer
“Varun Bhati helped us secure a home loan when two other advisers couldn't. His knowledge of the process is second to none, and he made a stressful situation completely seamless. Professional, responsive, and genuinely cares about getting the best outcome. Finance World is the only adviser I'll ever use.”
Rachhpal Cheema
Home loan client
“If you want someone who gets things done quickly, Varun is your guy. He secured our loan approval faster than we expected and kept the whole process stress-free. Excellent service!”
Tirati Taebon
Home loan client
Common questions
The things people usually want to know before they get in touch.
How much deposit do I actually need?
Some lenders approve first home loans with as little as 5 to 10% deposit, depending on your income and situation. We help you find the ones most likely to say yes.
Does it cost anything to use Finance World?
For most first home loans there is no cost to you. We are paid by the lender once your loan settles. If a fee ever applies to your situation, we will tell you upfront before you commit.
What if my bank already said no?
Banks only offer their own products. We work with 20+ lenders, including non-banks with different criteria, and can often find an option your bank cannot.
How long does it take to get pre-approved?
Once we have your details, pre-approvals are often back within 48 hours, depending on the lender and your situation.
Do I have to be in Auckland?
No. We are based in South Auckland but work with first home buyers right across New Zealand, by phone, email and video call.
Ready to take the first step?
Get in touch today. Free advice, no obligation, no cost to you.