The borrowing process with Star Mortgage is designed to be straightforward and efficient. It starts with an initial consultation where we assess your financial situation and homeownership goals.

Our team will guide you through the necessary documentation, including income verification and credit assessments. Once we identify suitable loan options, we’ll submit your application to lenders on your behalf.

After approval, we’ll assist you through the settlement process, ensuring a smooth transition into your new home.

Yes! If you have been contributing to KiwiSaver for at least 3 years, you may be eligible to withdraw your savings towards your first home deposit. We help you check your eligibility and prepare the documentation required by your KiwiSaver provider.

Once all required documentation is submitted, pre-approval generally takes between 2 to 5 business days, depending on bank turnaround times. We work directly with our lender partners to fast-track your application wherever possible.

Your deposit is typically paid when your sale and purchase agreement goes unconditional, or on the day of auction if you are bidding at auction. We coordinate with your solicitor and lender to make sure funds are ready on time.

While a 20% deposit is standard for many lenders, options with as little as 5% to 10% deposit may be available through first-home buyer schemes and low-equity loan options. We will evaluate your individual position to determine the best path forward.