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#getonthepropertyladder

Whether you are just researching your options, or ready to get on

the property ladder, we can help you with a personalised approach.

Hassle Free Home Loans

We are with you in this journey to your new home.

Let’s face it. Securing that home loan is a complicated process. We make this our problem, not yours. Here’s how we help you through this complicated process.



  • Tell us about your situation
  • Find out how much you can afford
  • Make the application to the banks
  • Close with confidence
A person is shaking hands next to a model house and keys.

We are all about making your first home purchase easy and stress free.

A large brick house with a white garage door

First Home buyers

Before embarking on the journey of becoming a first-time home buyer, equip yourself with our expert tips.


Turnkey vs. House & Land Packages: Which is Right for You?

Turnkey vs. House & Land Packages: Which Path to Homeownership is Right for You?

February 21, 2025
Buying a home is a big deal—whether you're dreaming of a hassle-free, move-in-ready space or itching to design your perfect place from the ground up. That’s where turnkey properties and house & land packages come in!
Smart goals to save money for your first home

5 Smart Financial Steps to Homeownership in New Zealand by 2025

February 9, 2025
Are you dreaming of buying your first home in New Zealand by 2025? It's an exciting goal that requires careful financial planning and smart decision-making. In this article, we will walk you through 5 smart financial goals to help you achieve your dream of homeownership.

How to Leverage Your Home Equity to Purchase an Investment Property

August 22, 2024
Property investment in New Zealand is becoming more attractive again due to recent changes to interest deductibility and the bright-line test.
Offset Mortgage Guide: How to become mortgage-free

Offset Mortgage Guide: Reducing Interest Costs and Comparing Top Offers

June 13, 2024
Discover how an offset mortgage can help you reduce your interest costs, explore the benefits and drawbacks, and review the best offers from BNZ, Kiwibank, and Westpac.
The Art of Loan Structuring: Crafting Your Financial Destiny

Unveiling the Art of Loan Structuring: Crafting Your Financial Destiny

June 13, 2024
Embarking on a borrowing journey, whether it's for a dream home, a thriving business, or personal ventures, is akin to navigating a complex maze. The secret lies in how you orchestrate your loan arrangement.
The Debt-to-Income Ratio in Today's Dynamic Landscape.

Navigating Financial Waters: The Debt-to-Income Ratio in Today's Dynamic Landscape.

February 12, 2024
In an era marked by economic uncertainties and evolving financial landscapes, the Debt-to-Income Ratio (DTI) emerges as a critical navigational tool for individuals charting their financial course.
Understanding the Official Cash Rate (OCR) and its impact

Understanding the Official Cash Rate (OCR) and its impact on the economy.

November 23, 2023
The OCR refers to the interest rate set by a country's central bank, such as the Reserve Bank of New Zealand or the Federal Reserve in the United States. It represents the rate at which these central banks lend or borrow money to or from commercial banks overnight.
Get ready. Fixed mortgage rates are climbing once more!

Get ready. Fixed mortgage rates are climbing once more!

November 23, 2023
Kiwibank has raised its home loan rates again this month, joining other major banks in doing so. They've increased rates on various fixed-term mortgages, meaning it'll cost more for people to borrow money for a home. For example, if you want to lock in a rate for 1 or 2 years, you'll now pay more interest than before. This isn't just happening at Kiwibank – other banks like BNZ and ANZ have also been increasing their rates over the past couple of months.
How to save for a down payment: Tips for the First Home Buyer

Why Saving Up for a Down Payment is Key for First-Time Home Buyers – and How to Do It

October 1, 2023
In this article, we will explore why saving up for a down payment is so important for first-time home buyers and provide practical tips on how to do it. We will discuss the benefits of a larger down payment, the various strategies you can use to save, and the potential challenges you might face along the way.
Navigating New Zealand Mortgages: Things to keep in mind

Navigating New Zealand Mortgages: Things to keep in mind

September 17, 2023
If you're considering the leap into New Zealand's property market, you're probably wondering about the ins and outs of securing a mortgage in this stunning part of the world. In this article, we'll provide you with a thorough understanding of how mortgages work in New Zealand, who's eligible for various types of loans, and the lowdown on interest rates and deposit requirements.
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We are here for you!

At Kripa Financial Solutions, our mission is to help Kiwis achieve their dreams of homeownership. Our team of seasoned mortgage experts will work tirelessly on your behalf to secure the optimal financing solution.


We take pride in being your trusted guides throughout the mortgage process. We will explain every step and detail to you in simple terms, ensuring you feel empowered when making this important investment. With decades of combined experience in the New Zealand mortgage market, we have established relationships with over lenders across the market.


This allows us to access loan options you may not find on your own, and negotiate the most competitive terms, rates and fees tailored to your budget and goals. We are your tireless advocates, leveraging our expertise to hunt for your perfect mortgage deal.

If you're ready to embark on your first home buying journey, we would be thrilled to be by your side.

A person is holding a bunch of keys in front of a model house.
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