First Home Buyers

Buying your first home is an exciting journey, but it can also feel overwhelming. Whether you’re considering purchasing a move-in-ready home or building one from scratch, the two most important steps are securing a home loan and finding a reliable builder. At Frame Homes, we’re here to make the process easier, ensuring your first home meets your expectations both aesthetically and functionally.

Helping You Get on the Property Ladder

We understand that securing financing is one of the biggest hurdles for first home buyers. While we are not officially partnered with any lenders, we can recommend lenders who specialise in helping first home buyers. These professionals can assist you in securing a home loan, potentially getting you into your own home sooner than you think.

Our Packages for First Home Buyers

At Frame Homes, we offer two flexible options to help you achieve your dream of homeownership:

1. House & Land Packages

Our House & Land Package is perfect for first-time buyers who want a move-in-ready home. Each home is thoughtfully designed, considering lot size, lifestyle requirements, and sun orientation. You can customise aspects such as interior colours and fittings, making your home truly yours.

2. Design & Build Option

Already own land? Our Design & Build Option allows you to choose from our range of home designs or create a completely custom home tailored to your needs. We work with you to ensure your new home is a perfect fit for your lifestyle and preferences.

Regardless of which package you choose, every Frame Home is covered by a 10-Year Master Builder Guarantee, giving you peace of mind for the future.

First Home Buyer House & Land Package

For first home buyers looking for a quick and seamless path to homeownership, our House & Land Package offers an array of architecturally designed homes starting from $997,000.

These homes are carefully crafted to maximise both value and comfort, and we offer a variety of options to suit different budgets.

Customisation: Personalise your home by choosing interior colours and finishes.
Site-Specific Design: Each home is designed to complement the site, ensuring optimal layout and sun orientation.

The Home Building Process

At Frame Homes, we make the home-building process as straightforward and transparent as possible. Here’s what you can expect:

1. Initial Consultation: In our first meeting, we’ll help you decide whether a House & Land Package or Design & Build Option is the best fit for you.

2. Customisation: Once you’ve signed the contract, you’ll meet with our team to discuss colour selections, interior finishes, and any additional features you’d like to incorporate. We provide a comprehensive cost estimate for any upgrades, ensuring there are no surprises.

3. Building and Updates: From drawing up plans and coordinating tradespeople to liaising with the council, we handle every detail of the build. Throughout the process, you can track progress, view photos, and communicate with our team using our project management system.

4. Move-In Ready: Once construction is complete, your new home will be ready for you to move in and enjoy!

Why Choose a New Build?

Investing in a newly built home comes with several advantages:

Exempt from LVR Restrictions: New builds are exempt from Loan-to-Value Ratio (LVR) restrictions, providing more financial flexibility.
Healthy Homes Standards: All new builds comply with the Healthy Homes Standards, ensuring a safe and comfortable living environment.
Minimal Maintenance: New homes require less ongoing maintenance, saving you time and money.
Potential Capital Gains: With Auckland house prices rising by an average of 27% since 2022, new builds offer great potential for capital gains.

At Frame Homes, we carefully select the locations for our House & Land Packages, considering factors such as proximity to schools, recreation facilities, employment hubs, and transport links. This ensures not only a high quality of life but also strong potential for future growth.

First Home Buyer Funding Schemes

Getting into your first home might be easier than you think, thanks to funding options like KiwiSaver’s First Home Grant and Kainga Ora’s First Home Partner scheme.

KiwiSaver First Home Grant

If you’ve contributed to KiwiSaver for at least 3 years, you may be eligible for the First Home Grant. If you’re purchasing a newly built home, you can claim up to $10,000 for an individual or $20,000 for couples. This grant makes it easier to get on the property ladder sooner, but be sure to check the eligibility criteria on the official KiwiSaver website.

Kainga Ora First Home Partner Scheme

This shared ownership scheme allows you to start as the majority owner of your home while gradually buying out the Kainga Ora share over time. This scheme can help reduce upfront costs, making homeownership more accessible. Specific terms apply, and it’s important to review these on the official Kainga Ora website.

At Frame Homes, we are dedicated to making your first home purchase as smooth and enjoyable as possible. Contact us today to explore your options and start your journey toward homeownership.