Mortgage
Your Home, Our Commitment
Financing Made Simple
First-Time Buyers
Owning your very first home is an exciting milestone! We understand the challenges first-time buyers face, so we’ll walk you through each step to make the process smoother and less stressful.
Refinance Your Mortgage
There are countless reasons to refinance. We offer tailored advice based on your current financial situation and your goals. Sometimes, switching to another bank can get you extra cashback, better interest rates, or a more strategic way to distribute your mortgage across different institutions. Ready to explore your options? Reach out to us today.
Investment Properties
It’s time to expand your asset portfolio! Watching your investments grow in value over the years can be incredibly rewarding. Talk with us about your financial goals for property investment—we’re here to help you achieve them.
Construction Home Loan
Building a home is an exciting journey! Whether it’s for personal use or an investment, we’ll help you determine how much you can borrow. Count on us to guide you through the lending process and walk you through each stage of construction—so you can focus on bringing your vision to life.
Business Loan
Looking for the capital to purchase a new venture or grow an existing one? We can help you secure the funding you need. Share your goals with us, and we’ll work to find a loan solution that supports your business ambitions.
Commercial Loan
Looking to purchase a commercial building for yourself or as an investment? We can guide you through the loan process and show you how banks can support your plans.
FAQs
Brokers generally have access to a wider panel of lenders and can compare multiple home loan products at once. With their industry relationships, mortgage brokers can often negotiate rates or terms that might not be readily available through a single bank. They also help streamline paperwork, so you save time and effort.
Your rate depends on factors including your credit profile, LVR, whether you choose a fixed or floating rate, and the lender’s current offers. Mortgage brokers can compare rates from different banks and non-bank lenders to find a competitive option for your situation.
Absolutely. Refinancing is common in New Zealand and can help you get a better interest rate, consolidate debt, or unlock equity for renovations or investments. Before refinancing, consider any break fees or other costs. Your mortgage broker can calculate whether switching lenders or loan products is beneficial in the long run.
While not strictly mandatory, a pre-approval gives you a clear budget range, shows sellers you’re serious, and speeds up the offer process. It also helps you identify potential finance issues early and provides guidance on your deposit requirements.
Fixed rate: Locks in a specific interest rate for a set period (e.g., 1–5 years). This provides predictable repayments but may incur break fees if you need to exit or change your mortgage during the fixed term. Floating rate (or variable rate): Moves up or down in line with market changes (often influenced by the Official Cash Rate). Your repayments can fluctuate, but there’s usually more flexibility if you want to make lump-sum payments or switch mortgages.
Yes. Investors can access loans from multiple lenders, but higher deposit requirements may apply due to LVR restrictions for investment properties. Interest rates can also differ, and some lenders have tighter criteria for rental properties. Discuss your investment goals with your mortgage broker to identify the most suitable loan structure.
Yes. Construction loans (or build loans) typically release funds in stages as your build progresses. Lenders may have specific requirements, such as fixed-price building contracts or progressive drawdowns. Check with your mortgage broker to see which lenders and products align with your project timeline and budget.
If you’re on a floating rate or your fixed term ends during a rate increase, your monthly repayments could go up. If rates are forecast to rise, you might consider refixing your mortgage earlier—though break fees can apply. It’s wise to plan a buffer in your budget to accommodate potential rate increases.
