Buying your first home: deposits, mortgages, and brokers

Buying a home here involves a lender, often a broker, a real estate agent (acting for the seller), and your own lawyer or conveyancer. Knowing who works for whom matters.

The money side

• Deposit: lenders typically expect a meaningful deposit; the exact minimum depends on the lender and the rules at the time.
• Pre-approval: get a mortgage pre-approval before you bid so you know your budget.
• Mortgage brokers can compare lenders for you and are usually paid by the lender — confirm how yours is paid. Financial advisers must be registered on the FSPR; you can check this.
• Low-deposit options: eligible first-home buyers may be able to borrow with a smaller deposit through the government-backed Kāinga Ora First Home Loan, offered via participating lenders. Eligibility criteria apply and change — check the official page.
• KiwiSaver: if you’ve contributed for a qualifying period, you may be able to withdraw most of your KiwiSaver balance toward a first home. Eligibility and any grants change — check the current rules with your KiwiSaver provider and on the official sites below.
• Compare current bank rates first: see NZ mortgage rates.

Mortgage brokers in our directory

How to read these rows. Every business named on this page is listed in a Korean community business directory, which is how it reached us: treat Korean-language service as likely but unconfirmed and ask when you make contact, unless the row says otherwise. FSPR-checked means we looked the firm up on the Financial Service Providers Register in July 2026 and it was registered then. Registration can lapse, so check it again yourself before you act on advice.

Auckland and the North Shore

• Sebom Finance 새봄파이낸스 — North Shore, covering wider Auckland. FSPR-checked.
• SuperCity Mortgages & Insurance — Quay Street in the Auckland CBD, also covering the North Shore. Mortgages and insurance. FSPR-checked.
• Flux Finance — Queen Street, Auckland CBD. FSPR-checked.
• DCT Finance — One Tree Hill. Mortgages and insurance. FSPR-checked, and the only broker here whose Korean-language service we confirmed directly with the business.
• Allied Financial Advisors 비전홈론 — View Road, Wairau Valley, with a second office in Christchurch. Mortgages, insurance and KiwiSaver. No register check recorded yet.
• 싸이먼 최 Loan Market United — Auckland, within the Loan Market network. No register check recorded yet.
• One Financial Service 원파이낸셜 — Rosedale, North Shore. Korean-language mortgage and insurance brokerage covering home, commercial, business and vehicle lending. No register check recorded yet.

Christchurch

• 마스터홈론 Master Home Loans & Insurance — Riccarton Road. Mortgages and insurance. FSPR-checked.
• Allied Financial Advisors and Reliable Consulting, both above, also work from Christchurch.

Waikato

• Dream Financial Advisers 조지형 부장 — Hamilton, within the Mortgage Link network. Mortgages and insurance. FSPR-checked.

Advisers in this field usually work nationwide rather than from a local branch, so if you are outside these cities it is normal to work with one of them remotely.

The legal and due-diligence side

• The real estate agent acts for the seller, not you. Engage your own lawyer/conveyancer early — they handle the contract, title, and settlement.
• Consider a LIM report (Land Information Memorandum) from the council and a builder’s/property inspection before committing.
• Auctions are usually unconditional — do your checks first.

Property lawyers and conveyancers in our directory

These are the firms whose own listings record property or conveyancing work. Our directory also holds immigration, employment and commercial lawyers: they are on the lawyers hub, and they are not listed here because a house purchase is not what they do.

Auckland and the North Shore

• Mairangi Bay Law — Rosedale. Conveyancing, refinancing and KiwiSaver withdrawals. Korean service stated by the firm itself.
• The Legal Avenue — Flat Bush. Property law and conveyancing. Korean service stated by the firm itself.
• Albany Law — Rosedale. Lists first home purchases, and refinancing and mortgages, among its services.
• Veritas Law — Target Road, Wairau Valley. Conveyancing and bank refinancing; the practice of 유조원 변호사.
• Conveyancing Shop Lawyers — Flat Bush. Residential conveyancing, property sales and purchases, refinancing.
• Loughlin McGuire & Roud Lawyers — Shortland Street, Auckland CBD. Residential and commercial property.

Christchurch

• Shalom Law (Sally Ha) — Addington. Property law, wills and estates.
• A. B. Lawyers (임종선·김선겸 변호사) — Bryndwr. Conveyancing, leases and business sale and purchase, alongside immigration and family law.

Getting the property checked

• Red LBP Building Inspections, North Shore East — Sunnynook. Korean service confirmed directly with the business. This is the only building inspector in our directory: outside the North Shore you will need to find one yourself, and Licensed Building Practitioners can be checked on the LBP public register.

Real estate agents in our directory

Worth repeating: the agent works for the seller. These are useful if you are selling as well as buying, or if you would rather view and negotiate in Korean, but the person on your side of the table is your lawyer. REA-checked means we confirmed the agent on the Real Estate Authority public register.

• Angela Kim – Ray White Albany — North Shore.
• David Kim - Harcourts Cooper & Co — Milford.
• Sunny Chae – Barfoot & Thompson — Mairangi Bay. REA-checked.
• Pakuranga & Howick Realty — East Tāmaki.
• Stella Jo – Ray White Milford — Milford and Mairangi Bay, North Shore. Works from a legal background.
• Mickey Byun – Barfoot & Thompson — Te Atatū, West Auckland.
• Brian Shin – Ray White Innes Road — Mairehau, Christchurch. REA-checked.
• Jason Yoo - Harcourts Grenadier — Christchurch.

Verify the professionals

• Real estate agents are licensed by the REA — check the public register.
• Lawyers — check the NZ Law Society register.
• See the directory: mortgage brokers, real estate agents, lawyers.

Official sources

• Settled.govt.nz (REA’s home-buying guide) — settled.govt.nz
• Financial Service Providers Register — fsp-register.companiesoffice.govt.nz
• Real Estate Authority public register — rea.govt.nz
• NZ Law Society (find/check a lawyer) — lawsociety.org.nz
• Kāinga Ora First Home Loan (low-deposit, govt-backed) — kaingaora.govt.nz
• KiwiSaver first-home withdrawal (Sorted, govt-backed) — sorted.org.nz/guides/kiwisaver

Browse the directory: find Korean-friendly mortgage brokers, real estate agents and lawyers in Auckland and the North Shore. Know one we’ve missed? Submit a listing — it’s free.

---

한국어 안내

주택 구입에는 대출기관, 보통 브로커, (매도인을 대리하는) 부동산 중개인, 그리고 본인 측 변호사/컨베이언서가 관여합니다. 누가 누구를 위해 일하는지 아는 것이 중요합니다.

• 보증금: 대출기관이 상당한 보증금을 요구하며, 최소 비율은 시기와 기관에 따라 다릅니다. 입찰 전 모기지 사전승인을 받아 예산을 확인하세요.
• 모기지 브로커는 여러 대출기관을 비교해 주며 보통 대출기관에서 수수료를 받습니다(지급 방식 확인). 금융 어드바이저는 FSPR에 등록되어 있어야 하며 직접 확인 가능합니다. 먼저 뉴질랜드 모기지 금리에서 은행별 금리를 비교하세요.
• 낮은 보증금 옵션: 자격이 되는 첫 주택 구입자는 정부가 보증하는 Kāinga Ora First Home Loan을 통해 더 적은 보증금으로 대출받을 수 있는 경우가 있습니다(참여 대출기관 한정). 자격 요건은 바뀌므로 공식 페이지에서 확인하세요.
• KiwiSaver: 일정 기간 납입했다면 잔액 대부분을 첫 주택 구입에 인출할 수 있는 경우가 있습니다. 자격·지원금 기준은 바뀌므로 가입사와 위 공식 출처에서 최신 내용을 확인하세요.
• 부동산 중개인은 매도인을 대리합니다. 본인 변호사/컨베이언서를 일찍 선임하세요 — 계약·등기·결제를 담당합니다. 계약 전 LIM 보고서와 주택 점검을 고려하세요. 경매는 보통 무조건부이니 사전 점검이 필수입니다.
• 중개인은 REA, 변호사는 Law Society 등록부에서 확인하세요.

디렉토리에 등록된 업체

아래 업체는 모두 한인 업소록에 등재되어 있어 디렉토리에 포함되었습니다. 한국어 상담이 가능할 가능성이 높지만 확인된 사항은 아니므로, 연락하실 때 직접 문의하세요. FSPR 확인은 2026년 7월 기준으로 등록 상태를 조회했다는 뜻이며, 등록은 변경될 수 있으니 상담 전 다시 확인하시기 바랍니다.

융자 브로커 — 오클랜드·노스쇼어: 새봄파이낸스(FSPR 확인), SuperCity Mortgages & Insurance(FSPR 확인), Flux Finance(FSPR 확인), DCT Finance(FSPR 확인, 한국어 상담 직접 확인), 비전홈론, 싸이먼 최 Loan Market United. 크라이스트처치: 마스터홈론(FSPR 확인). 해밀턴: Dream Financial Advisers 조지형 부장(FSPR 확인). 융자 어드바이저는 대체로 지역과 관계없이 전국 상담이 가능합니다.

부동산 전문 변호사 — 오클랜드·노스쇼어: Mairangi Bay Law, The Legal Avenue(두 곳은 업체가 직접 한국어 상담을 안내), Albany Law, Veritas Law 유조원 변호사, Conveyancing Shop Lawyers, Loughlin McGuire & Roud Lawyers. 크라이스트처치: Shalom Law, A. B. Lawyers(컨베이언싱과 임대차, 사업체 매매를 업무 범위로 안내합니다).

주택 점검 — Red LBP Building Inspections 노스쇼어 이스트(한국어 상담 직접 확인). 디렉토리에 등록된 유일한 점검 업체입니다.

부동산 중개인 — 중개인은 매도인을 대리한다는 점을 기억하세요: Angela Kim, David Kim, Sunny Chae(REA 확인), Pakuranga & Howick Realty, Brian Shin(REA 확인), Jason Yoo.

디렉토리 둘러보기: 오클랜드·노스쇼어의 한인 모기지 브로커·부동산 중개인·변호사를 찾아보세요. 빠진 곳이 있다면 무료로 업체 등록하세요.

이 글은 일반 정보이며 법률·금융 조언이 아닙니다. 최신 정보는 위 공식 출처에서 확인하세요.