Most first home buyers are closer to buying than they realise

Most people assume the answer, they don't actually check. Find out for sure in 2 minutes, for free

★★★★★40+ five-star reviews on Google

Adviser to 40+ first home buyers across New Zealand

Most first home buyers assume they're not ready. Not enough deposit, not enough income, or that the bank will say no.

Truth is, most people never check. They guess and they assume that they aren’t ready yet.

Stop wondering. Get your real number today.

In 2 minutes, you'll find out:

  • How much you could actually borrow

  • Whether you're ready now

  • What a bank would say yes to, right now

No chasing banks yourself
I handle the forms and the back-and-forth so you're not stuck on hold or guessing what they need next.
The lender who'll actually say yes
Not just the first bank you'd think to ask, the one whose criteria actually fit your situation.
No waiting days for an answer
You'll hear back from me personally, usually the same day, not a call centre queue.
One person, start to finish
You're not handed off partway through. I'm with you from your first question to the keys in your hand.
Ready to Buy Check
How much could you borrow?

Answer a couple of quick questions for an instant, no-obligation estimate.

More dependants means higher living costs, which affects how much you can borrow.

Applicant 1 income
$

Before tax and deductions — not what lands in your account.

Applicant 2 income
$
$

Please fill in the required fields above.

You could potentially borrow around
$0 – $0

A rough estimate based on your income, deposit and everyday living costs. Not a pre-approval.

But would a bank actually say yes?

The number above is only half the picture. Timeline, debt, and how your income is set up all affect whether a bank will actually lend you that much.

Quick readiness check
A few more questions

This is what actually determines whether you're ready to talk to an adviser now, or what to work on first.

Applicant 1 — income type
Applicant 2 — income type
$

Your monthly repayment, not the total amount owing. For example, $250 for a car loan payment, not the loan balance.

Please answer every question above before continuing.

Almost there

Pop in your details and I'll show you your full readiness result and refined borrowing estimate.

By submitting you agree to be contacted by Tim McGill, Mortgage Adviser at Guardian Smith Mortgages.

✓ You're in a strong position
You look ready to talk to an adviser now.

Based on what you've told me, your refined borrowing estimate is:

$0 – $0

This is an estimate only, not a pre-approval.

Grab a time below and I'll walk you through your options, your next steps, and answer anything you're unsure about. If you don't book, I'll still reach out, but the fastest way to get moving is to pick a slot now.

Tim McGill
Getting there
You're getting close to being ready to talk to an adviser. There's just a bit to work on first.

Based on what you've told me, your rough borrowing estimate is:

$0 – $0

This is an estimate only, not a pre-approval.

I'll personally review your info and send you an email with a bit more detail on exactly what to work on. We can put together a plan to get you ready to find your own home.

I've also got a free email course that covers everything about buying your first home. How to get ready, what's actually involved, the process from saving to settlement, and a few tips along the way. Short daily emails, under 2 minutes to read.

Tim McGill

Trusted by 40+ Kiwi first home buyers

★★★★★40+ five-star reviews on Google

Read the reviews on Google

How it works
1
Answer a few questions
Takes a couple of minutes. See your estimate straight away.
2
I'll review your details personally
We'll set up a time to chat through your goals, options, and specific next steps.
3
Get pre-approved
Start house hunting with confidence, knowing exactly where you stand.
Tim McGill, Mortgage Adviser
About Me

I'm Tim, a mortgage adviser helping first home buyers across New Zealand, based in Christchurch.

I take the time to understand your situation, explain things simply, and build a plan that gets you closer to owning your first home.

I work for you, not the bank. Honest advice, straight answers, and a plan that feels achievable.