Home Loans and Mortgage Advice for Kiwis
Talk to our financial advisers about finding the right home loan for your situation.
Why the Right Home Loan Adviser Makes a Difference
Home lending in NZ is not a single straightforward option. The right loan depends on your deposit size, income type, how many lenders you've approached, and what structure actually fits your goals. Most people go to their bank first and work through whatever that bank offers. The problem is that banks assess borrowers differently, price loans differently, and have different appetite depending on your situation. What one bank declines or prices poorly, another may approve on better terms. Before speaking to any lender, there are four things worth understanding:
Your Borrowing Position
Loan Structure
Lender Fit
Application Strength
Home Loan Options
Every borrower's situation is different. We work across most situations.
First Home Buyers
Buying your first home involves more moving parts than most people expect. We help you understand your borrowing power, work through deposit options including KiwiSaver, and match you with the right lender for your situation.
Refinancing
If your fixed rate is coming up for renewal, it's worth getting a second opinion before you refix with your existing bank. We compare your options across multiple lenders and negotiate on your behalf.
Self-Employed Borrowers
Non-standard income doesn't mean no options. We work with self-employed buyers regularly and know which lenders are best placed to assess income the way it actually looks on paper.
Investment Property Loans
Lending criteria for investment properties differs from owner-occupied loans. We help investors structure lending across single or multiple properties, taking LVR rules and serviceability into account.
New Builds
New build lending has different LVR treatment and involves progress payments across a construction period. We manage the process from pre-approval through to final draw-down.
Home Loan Pre-Approval
Pre-approval gives you a clear picture of your borrowing position before you start looking at properties. We manage the application, so you go into the market knowing exactly where you stand.
Frequently Asked Questions
Have You Compared Your Home Loan Options?
Most Kiwis go straight to their bank. With access to 30+ lenders, our financial advisers find the right home loan for your situation and handle the process from start to settlement.