Knowledge Centre
Mortgage Myths, debunked plainly.
The mortgage world runs on old advice and half-truths. Here are the ten questions Kiwis ask most — and the truth behind each.
Mortgage myths
The stories Kiwis believe — and the truth behind them.
The mortgage world runs on old advice and half‑truths. Here are the ten questions Kiwis ask me most — answered plainly.
The Fact
“Do I really need a 20% deposit?”
Vincent’s take
No. Many lenders will consider first home buyers with 10% — and sometimes 5% — by combining KiwiSaver withdrawal, the First Home Grant, and specialist low-deposit programmes like the Kāinga Ora First Home Loan.
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