27/09/2026
We have so many tips for first home buyers to help them into a property!
In this podcast, George Love and Zebunisso Alimova Mike Pero Mortgages explain some of the ways first home buyer conditions can be more attractive to vendors.
In this podcast episode we answer a question from a first home buyer about how to make an offer more attractive while still remaining safe and meeting the needs of the lender.
Losing out on homes because your offer looks “too hard” is brutal, especially when you’re a first home buyer trying to tick every box the bank and your lawyer require.
We kick off with a real question from Facebook: finance condition (15 working days), KiwiSaver, valuation, builder’s report, and a LIM report, then multiple declined offers with the hint that the conditions are the problem. So what can you change without putting yourself in danger?
We get practical about KiwiSaver timing, because this is where many buyers accidentally make their offer slower than it needs to be. If KiwiSaver is needed for the deposit when you go unconditional, the withdrawal process and lawyer undertakings matter, and that can shape your deadlines.
We also talk about why having an adviser or mortgage broker can make a massive difference compared with trying to piece it together from a busy bank conversation.
From there we move into what really tightens an offer: strong pre-approval, fast finance sign-off, and realistic planning for the slow bits like valuations and LIM reports.
We share typical timeframes, where you can pay for urgency, and what banks actually care about versus what your lawyer is focused on. We wrap with a reminder that vendors sometimes take a lower cash offer simply for certainty and speed, and how you can compete by being prepared rather than reckless.
If this helped, subscribe, share it with a first home buyer mate, get in contact for a chat!
https://open.spotify.com/episode/7aZUWkpusnE2mE7QcuiZGw?si=fqNroJTrTU2Eg87qJeiUeg&utm_source=copy-link
