Boben Antony - Mortgage Advisor

10/06/2026

27/05/2026

Congratulations on your first home!

Thank you for trusting me to be part of your journey. Wishing you endless happiness in your new space

26/05/2026

Grateful for the wonderful feedback from my clients. Your trust keeps me motivated every day.
Thank you for allowing me to be part of your first‑home journey.

18/05/2026

Your trust means everything — thrilled to be part of your success story.

Congratulations on your beautiful home.

22/04/2026

28/03/2026

Buying your first home or refinancing your mortgage? I’m here to assist. Contact me anytime.

08/03/2026

Cheers to new memories, new milestones, and a beautiful new home.

21/02/2026

Getting into the Game: How to Buy Your First Home 🏡

Feeling overwhelmed about buying your first home? You’re not alone. The process can seem complex, confusing, and sometimes out of reach, especially when you don’t know where to start.

The good news? It becomes far more manageable when you break it down.

Start with the 4 C’s:

Character: Your financial behaviour matters. Lenders review credit history and bank statements closely. Defaults, collections, and heavy gambling activity can hurt your position.

Capacity: Your ability to service a loan. Income vs expenses, existing debts, and financial discipline all play a role. Too many short-term debts can signal higher risk.

Capital: Your deposit and proof of income. You’ll need to show where your funds came from: savings, KiwiSaver, gifts, or other sources.

Collateral: The property itself. Lenders assess value and condition to ensure it’s suitable security. This may include valuations, building reports, or weathertightness checks.

If you’re thinking about taking the first step, start with the fundamentals, and the rest becomes clearer.