Buying Your First Home is a Big Deal. You Don't Have to Do It Alone.

The path to home ownership can feel overwhelming, with confusing jargon and tough rules. At Dura Capital, we specialise in guiding first home buyers through the entire process. We’ll explain your options, help you access grants, and find a loan that gets you into your first home sooner.

We take the complexity out of the equation, so you can focus on the excitement.

Your Roadmap to Home Ownership

Step 1: The Free Assessment

We’ll have a friendly chat about your goals, income, and savings to give you a clear idea of what you can afford.

Step 2: Get Pre-Approval

We’ll get you a pre-approval certificate. This tells you exactly how much you can borrow and shows real estate agents you’re a serious buyer.

Step 3: Find Your Home & Finalise Finance

Once you’ve found a property and had an offer accepted, we negotiate with the lenders to get your loan across the line.

Step 4: Settlement & Handover

We manage all the paperwork with your lawyer and the bank. Then, you get the keys!

Why First Home Buyers Love Working With Us

  • Patience & Clarity: We take the time to explain everything in plain English. No question is too small.
  • Grant Experts: We'll check your eligibility for the First Home Grant and other schemes and help with the paperwork.
  • Low-Deposit Specialists: We know which lenders are most welcoming to buyers with smaller deposits.
  • One-Stop Guidance: From pre-approval to auction bidding and settlement, we're with you every step of the way.

Are You Eligible for a Helping Hand?

We are experts in navigating New Zealand’s support schemes for first home buyers.

  • First Home Grant (Kāinga Ora): A grant of several thousand dollars towards your deposit if you meet the income and deposit criteria. We’ll check your eligibility and manage the application.

  • First Home Loan (Kāinga Ora): Allows you to buy a home with a deposit as low as 5% (instead of the standard 20%). We have access to lenders who offer these loans.

  • Kainga Ora First Home Partner: We can advise on how this shared ownership scheme might work for you.

Not sure if you qualify? We can check for you in minutes.

Questions? You’re Covered

It depends! While 20% is standard, with a First Home Loan you may only need 5%. We specialise in finding solutions for buyers with smaller deposits.

Pre-approval is a lender’s agreement, in principle, to lend you a certain amount. It is typically free when arranged through us and is your essential first step before house hunting.

Yes! If you meet the criteria for the First Home Grant, you could receive thousands of dollars towards your deposit. We help you apply for it.

We can advise on how your student loan affects your borrowing power. We can also help you navigate the process of withdrawing your KiwiSaver funds for your deposit.

Our Testimonials

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Securing a home loan in New Zealand proved to be a significant challenge. After my initial application was declined by a major bank, I was introduced to Hareen. His deep sector knowledge and expertise in complex financial situations were exceptional.

Hareen successfully secured approval for the very same loan that had been declined, a testament to his skill and strategic approach. His understanding of lender risk assessment was pivotal in turning my situation around.

Without his support, purchasing a home in Auckland would have remained out of reach. I highly recommend Hareen to anyone facing financial hurdles; he expertly navigates obstacles to deliver results.

Arjuna

First Home Loan

Hareen’s expertise was invaluable in navigating a complex home loan application. After previously dealing directly with banks, I needed a broker who could handle a more challenging approval process. Hareen’s deep banking knowledge was immediately apparent—he confidently answered all my questions and presented strategic options I hadn’t considered.

He demonstrated a clear understanding of my unique situation, maintained excellent communication, and his unwavering confidence was reassuring throughout. Once approved, his strategic advice on structuring the loan and his long-term outlook ensured I had the optimal setup.

I highly recommend Hareen for any mortgage needs and would not hesitate to work with him again.

Jay

First Home Buyer

Contact Us

Ready to unlock your financial potential?

Have a mortgage or business loan question? Simply ask us with no obligation!

We’re here to listen and guide you. Whether you’re buying your first home, refining your investment strategy, or seeking business finance, our expert team is ready to provide personalised advice tailored to your goals.

Reach out today for a free, no-obligation consultation—let’s start the conversation about your success.

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