Buying your First Home: US 28103

This resource helps teachers deliver the Financial Capability Unit Standard 28103 ‘Analyse and select personal financing options for purchasing a property’ (Level 3, 4 Credits). Students will learn about options for financing the purchase of a house and will study and compare the advantages and disadvantages of a range of finance options.

All the financial capability standards have changed, we will be updating them over the coming months. The old versions are valid for assessment until the end of 2022.

Curriculum links

Financial Capability is a core generic domain on the New Zealand Qualifications Framework. This unit of work also has links to the Social Sciences and Mathematics and Statistics learning areas.


Click here for an Interactive Financial Capability US Matrix

Buying your First Home: US 28103

  • Year 11-13
  • 25-30 hrs
  • Mathematics and Statistics
    Social Sciences
    Level 3 Financial Capability Unit Standard
  • Free to NZ schools
  • Led by teachers
    Training Available
Download overview

Students taking part will

  • Investigate various mortgage options 
  • Calculate interest on home loans 
  • Investigate aspects of different finance companies 
  • Learn about other property related factors such as LIM reports, building inspections, insurance, legal fees, and maintenance 
  • Complete a practice assessment


For access to the marking guidelines and Student Assessment for this Unit Standard, please contact us via email at:

Download includes:

  • Using Financial Capability Unit Standards
  • Activity: 28103 Interactive Student Workbook
  • Helpful information