Stop Guessing.
Start Planning.
Check live rates, run your numbers, then ask the right questions — all before you speak to a bank, broker, or lawyer.
Information only — not financial advice. Get organised before taking regulated advice.
Free buyer packs by stage
Start with the checklist, not the sales pitch
Step 1 of 3
What's your main priority today?
We'll tailor your experience based on your current focus.
Rates → Calculator → Match
Check what the market is offering, run your numbers against real scenarios, then get connected to the right independent professionals — at your own pace.
Check Live Rates
See current mortgage rates from major NZ lenders — floating, fixed, and special rates updated from interest.co.nz. Know what banks are offering before you talk to them.
1yr fixed
5.59%
2yr fixed
5.39%
Floating
7.49%
OCR
4.25%
Run Your Numbers
Use our calculators to estimate deposit timelines, borrowing power, KiwiSaver withdrawal, and repayment scenarios. No signup, no credit check.
All calculatorsGet Matched
Save your planning stage and questions as a first-party request. FHBG does not select or introduce a provider — you stay in control of who to contact.
Mortgage broker
Check rates + lodge application
Property lawyer
Review S&P + conditions
Building inspector
Pre-purchase inspection
Free packs
Start with the stage you are actually in.
Most buyer guides jump straight to "talk to someone". FHBG gives you practical packs first: pre-approval documents, open-home checks, auction prep, offer conditions, KiwiSaver withdrawal, and settlement.
Illustrative Suburb Snapshots
Examples from FHBG's inherited dataset — not a ranking or current market recommendation. Verify every field independently.
Auckland Central
Henderson
Ponsonby
Manurewa
CBD
Karori
Source: FHBG suburb dataset — illustrative planning estimates. 2026-07-28. Suburb-level estimates are illustrative approximations distributed around QV House Price Index regional benchmarks (June 2026: Auckland region avg $1,188,497, -0.7% quarterly; national avg $906,443, -0.4% quarterly). Individual suburb medians, rents, growth rates, demographics and school-zone references are synthetic planning inputs — do not treat as current valuations, school assessments, lending decisions, or substitutes for official records. Source: qv.co.nz/price-index/ (regional benchmarks only).
How buyers use the 3-step plan.
Example pathways showing how rates, calculators, and match requests work together.
"Checked the rates page first, then ran the deposit calculator — realised they could look in Upper Hutt instead of central Wellington. Saved the match request when they were ready to talk to a broker."
The Regional Shifter
ExampleRelocated to Upper Hutt, WGTN
"The borrowing check showed a realistic range before approaching a bank. Used the match form to save questions for a mortgage adviser — went into the first meeting with confidence."
The Auckland Couple
ExampleWest Auckland Homeowners
"Being a single buyer in Christchurch, having the checklist and rate data upfront meant they never felt pushed into a rushed decision. The match step let them find a lawyer on their own terms."
The Solo Strategist
ExamplePurchased in Ilam, CHCH
Disclaimer: The scenarios above are hypothetical examples. Imagery is AI-generated for illustrative purposes. These pathways demonstrate how the FHBG platform is designed to handle various home buying complexities.
Your first home is closer than you think
Start with live rates, run your numbers, then save your questions for the right professional. It takes less than 2 minutes.
Information only — no obligation, no credit check