Fellow New Zealander here. You have made a LIFESAVING decision by not going to anyone here or in Australia.
I went to Dr Jerry Wong at Hasson and Wong last November and I'm not exaggerating when I say I have the least regret I have for any purchase I've ever made.
Happy to talk further if you want to but yes, I was overwhelmed when I made my booking. It's a big deal especially if it's the first time but you know when it's what you need to do. The mortgage can always be paid later. Your time on Earth is finite, and in that time you want your outside to reflect the inside.
I believe Warren Buffet used an analogy similar to if you could only have one car the rest of your life, you'd invest your all into it and make it look it's absolute best. The car is your body so why not do that same