My Home Programme

My Home ProgrammeMortgage Pre-Approval

A guided pathway to get financially ready, prepare a strong mortgage application and move confidently toward pre-approval and home ownership.

Six practical modules combining financial mentoring, application readiness and settlement support — so you know exactly what to do at every stage of your journey to mortgage pre-approval.

Get Pre-Approved 0800-007-993

My Home Programme

Programme Structure

Six Modules to Mortgage Pre-Approval.

Each module builds on the last — from understanding your finances through to settlement and beyond.

Know My Numbers

Make My Money Work

Clean Up My Credit & Debt

Build My Deposit

Can I Afford to Own It?

View module

Module 06

Get Mortgage Ready

View module

My Home Programme

Module 1 · Know My Numbers

Know My Numbers

Objective

Establish exactly where you are today. Mortgage readiness starts with a complete and accurate picture of your finances — income, assets, debts, commitments and recent financial behaviour, all brought into one place.

Delivery Model

One-on-one mentoring sessions

Personalised income and asset review

Complete debt inventory

Financial behaviour check

What Lenders Are Trying to Understand

Is your income stable and able to be evidenced?
Do you consistently spend less than you earn?
How much existing debt and available credit do you have?
Do your bank statements show controlled financial behaviour?
Is your deposit position clear?

My Income & Assets

Wages, partner wages, overtime and other reliable income
Savings, KiwiSaver, investments and other assets
How secure is this income?

My Complete Debt Inventory

Credit cards, personal loans, vehicle finance and BNPL
Overdraft, student loan and other liabilities
Total available credit limits and monthly repayments

My Mortgage Traffic Lights

Score income stability, savings, debt and credit behaviour
Identify green, amber and red areas needing action
Set my top three priorities and action plan

Outcomes

I know where I stand financially

I understand what could prevent mortgage pre-approval

My net position and financial behaviour are clear

My top priorities and action plan are set

My Home Programme

Module 2 · Make My Money Work

Make My Money Work

Objective

Build a sustainable budget and a consistent financial surplus. A mortgage-ready budget isn't a one-off calculation — it's a pattern you can actually live with, redesigned so your future home becomes a priority.

Where Did My Money Actually Go?

Review recent bank statements across key categories
Spot small repeated spending that adds up annually
KEEP, REDUCE, STOP or PLAN each expense

Find the Money

Find $50, $100 or $150 per week
Connect everyday choices to your home ownership goal
Understand the 12-month impact of small changes

My Target Budget & Payday System

Compare current vs target budget areas
Build a payday plan with automatic transfers
Grow home deposit and emergency savings

Outcomes

I have a sustainable household budget

I can demonstrate a consistent financial surplus

My payday system is automated

My first automated change is identified

My Home Programme

Module 3 · Clean Up My Credit & Debt

Clean Up My Credit & Debt

Objective

Reduce debt and strengthen the financial behaviour a lender sees. Existing consumer debt competes with your future mortgage for household cashflow — decide what to pay down, close, keep, and avoid.

Choose My Debt Strategy

Snowball — pay the smallest balance first for quick wins
Avalanche — prioritise the highest-cost debt first
Build a debt reduction plan with target payoff dates

Credit Facility Clean-Up

Review balances and limits across every facility
Keep, reduce or close credit cards, BNPL and overdrafts
Redirect freed-up repayments toward the home deposit

90-Day Mortgage Behaviour Challenge

Bills on time, no new debt, no BNPL each week
Stay within budget and avoid overdraft use
Track saving and debt repayment weekly

Outcomes

My credit and debt behaviour supports my mortgage application

A clear debt strategy is chosen and underway

Unnecessary credit facilities are reduced or closed

90 days of strong mortgage-ready behaviour demonstrated

My Home Programme

Module 4 · Build My Deposit

Build My Deposit

Objective

Know exactly what you have, what you need, and how you will close the gap — turning your deposit target into a clear weekly and monthly savings plan.

Where Is My Deposit Today?

Cash savings, KiwiSaver and other eligible funds
My funding picture and indicative mortgage required
What needs clarifying about my funding position

Close My Deposit Gap

Calculate the deposit gap and months to target
Required monthly and weekly savings
Deposit accelerator strategies and 12-month impact

My Deposit Milestones

Track progress at 25%, 50%, 75% and 100%
Set target dates for each milestone
Action plan for what I discovered and need to change

Outcomes

My total potential deposit is clearly identified

My deposit gap and savings targets are set

A deposit accelerator plan is in motion

Deposit milestones are tracked to 100%

My Home Programme

Module 5 · Can I Afford to Own It?

Can I Afford to Own It?

Objective

Test the future before you commit to it. Mortgage pre-approval isn't only about whether a lender will lend — your goal is to live comfortably with the ongoing cost of home ownership.

Rent Me vs Homeowner Me

Compare today's costs with future homeowner costs
Rates, insurance, power, water and maintenance
Estimate the additional monthly housing cost

Live Like I Have the Mortgage

12-week mortgage practice tracker
Transfer the difference into savings each week
Build confidence that the repayment is sustainable

Stress Test My Budget

Model rising costs, repairs and income disruption
Confirm the budget can absorb surprises
Set an emergency buffer target and savings plan

Outcomes

Future homeowner costs are clearly understood

12 weeks of mortgage practice completed

My budget has been stress tested

My emergency buffer target is set

My Home Programme

Module 6 · Get Mortgage Ready

Get Mortgage Ready

Objective

Bring everything together and prepare a complete pre-approval application. This is the Mortgage Ready Gate — confirming the work throughout the programme can be evidenced and presented clearly.

Would I Lend to Me?

Review income, bank statements, debt and savings
Identify what would give a lender confidence
Fix the one thing that could concern a lender

My Mortgage Evidence Folder

Identification, income and employment documents
Bank statements, savings, KiwiSaver and debt records
Budget and deposit evidence, checked and ready

The Mortgage Ready Gate

Green, amber or red status across every readiness area
Final action plan for anything still amber or red
Overall status confirmed with your financial coach

Outcomes

My finances, behaviours, deposit and documents are ready

My mortgage evidence folder is complete

My final action plan is agreed with my coach

I have achieved mortgage pre-approval

Explore More

Programmes That Work Alongside My Home Programme

Kāinga Tū Home Buyer Programme

The full end-to-end journey to home ownership

Sorted Kāinga Ora Course

Free 8-week home ownership education

My Home Programme — Your First Step to a Mortgage

Ready to Start Your Pre-Approval Journey?

Talk with our team about your financial position and how to move toward mortgage pre-approval.

Get Pre-Approved 0800-007-993

My Home ProgrammeMortgage Pre-Approval

A guided pathway to get financially ready, prepare a strong mortgage application and move confidently toward pre-approval and home ownership.

Six practical modules combining financial mentoring, application readiness and settlement support — so you know exactly what to do at every stage of your journey to mortgage pre-approval.