Getting a great deal on your loan doesn’t need to be hard work, Freehold Express makes the process simple. We do all the hard work for you and you get to benefit from our expertise in loans and our experience in dealing with lenders.

The loan market is very complex and confusing, particularly for first home buyers. There are hundreds of options available – so how do you know which loan is best for you and how should it be structured and paid?

How a loan is structured, and how a loan is paid also has a massive impact on the amount of interest you pay and consequently the term of the mortgage….. and that just adds another layer of complexity which is beyond most people …… even industry professionals.

That's where Freehold Express comes in. It's our job to fully understand the home loan market and all its complexities, so we can tailor your mortgage to suit you and your individual financial circumstances.

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First Home Buyers


You can use your Kiwisaver funds to purchase your first home. There are no restrictions on how much you earn or how much the property costs to purchase, however; Kiwisaver funds can only be used to purchase a property to live in and cannot be used to purchase a rental property.

There are second chances available to using your Kiwisaver funds if you have owned a home before. As there are different criteria please contact us to see if you are eligible for a Second Chance.

Home Start Grant

The HomeStart Grant can be applied for when you have been in Kiwisaver for more than three years and you are under the following caps.

  • A single applicant doesn’t earn over $85,000.00 a year. A dual applicants’ income isn’t over $130,000.00 a year. There are no exceptions to these caps.
  • A purchase of a pre-loved property cannot be higher than $500,000.00 and a build cannot be above $550,000.00. If a build is being completed, then your HomeStart Grant doubles over purchasing a pre-loved property to a maximum of $10,000.00 per applicant. (Maximum of 2 applicants).

Welcome Home Loan

The Welcome Home Loan is only available to Kiwi’s or people holding Permanent Residency that are looking to purchase their first home to live in.

The same income caps and purchase price caps apply as when applying for your HomeStart Grant (see above).

There are second chances available to using the Welcome Home Loan if you have owned a home before. As there are different criteria please contact us to see if you are eligible for a second Welcome Home Loan.

Freehold Express Limited
Cnr Lincoln Road & Wise Street, Addington CHRISTCHURCH

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