Buying Your First Home

Considered one of life’s major milestones, we can help you prepare for your first home purchase and guide you through the process step by step. Our role is to calculate affordability (let you know how much you can spend), find the best bank fit for you and help you get pre-approved to borrow up to 95% of the value of the property.

Buying Your Next Home

Time to make the next step?  Buying your next home usually means selling your first home. Whether you're going to buy before you sell and may need bridging finance, or want to sell first before buying again, we can give you the right advice. We have great relationships with real estate agents, valuers and solicitors all over New Zealand, so we can easily refer you to other professionals who can make this process easier.

Investing in Property

Property tends to be seen as a safe investment as it’s tangible – and it often is. If you’ve been considering investing to prepare for your retirement or to help family get their foot onto the property ladder, we can talk to you about your options. These can include using equity in your own property or savings as a deposit to create or grow your portfolio.

Building or Renovating

Building a new home does involve some additional steps however we are here to make the process as seamless and stress free as possible. We can explain the difference between the types of construction contracts available and how these can affect the amount you can borrow. 

If you need some room for your expanding family or want to transform your house into your dream home and are contemplating renovating, we can help you apply for mortgage finance.

Refinancing

Life is constantly changing and we are experts in helping to manage your home loan to assist you in adapting to these changes. If your current mortgage structure isn’t supporting your financial goals, we can offer solutions which include restructuring your lending or looking to other lenders who may be better suited to your needs.

Review Your Mortgage

Need to re-fix your mortgage but worried you’re not getting a market leading offer?

There are lots of different loan products out there and we can assist with getting your loan set up in a way that reflects your financial goals. If you need to re-fix or restructure your loan then get in touch with us and we’ll give you expert advice at no charge.

Debt Consolidation / Top-up

Consolidating debt means taking out a new loan to wrap up all of your debts into one loan so you can pay them off at once – ideally at a lower interest rate so you can get out of debt faster. We can help you do this to save money and simplify life. If you’re looking to buy a new car or need money for your wedding or holiday, we can do the figures and apply for a top up for you.

Insurance

Getting a mortgage is only half the story. We want to make sure that come what may, you can still afford to meet your mortgage repayments over the next 25 years or so. How would you meet your mortgage payments or look after your family if you or your spouse were to lose an income? Talk to us about how we can help out with your Plan B.