As a first home buyer, you’ve no doubt got questions about the home buying process. How much deposit you need. What the lending criteria are. Using your KiwiSaver or the HomeStart Grant. There’s an awful lot of information to process and it’s understandable you might even feel a little overwhelmed. To help you navigate buying your first home, we’re outlining one of the costs you need to factor in when applying for a high LVR loan: Lenders’ Mortgage Insurance.