For most of us, buying our first home is our biggest purchase yet, and can seem like a long and complicated process. Our team prides themselves on being great with numbers, but even better with people, and are happy to answer any questions you may have about the first home buying process. You can learn more about getting your first home loan here.
Buying a second home or holiday home is a great way to create a lifestyle asset while continuing to build your overall property portfolio. Whether it’s a coastal retreat, a place for family getaways, or a future retirement spot, the right lending structure is key to making it work comfortably alongside your existing commitments.
Our team understands that purchasing a second property comes with different considerations, from managing multiple loans to understanding how your current home’s equity can be used. We’ll guide you through the options and help structure your lending in a way that keeps things simple, flexible, and aligned with your long-term goals.
With strong relationships across New Zealand lenders, we’ll help you secure a competitive solution and take the stress out of the process, so you can focus on enjoying your new home away from home.
The sheer number of different types of home loans now available in New Zealand can be daunting. Our Mortgage Advisors are experts in explaining how different types of loans are structured and their advantages, disadvantages and processes. From simple fixed and floating home loans to revolving credit and bridging finance, our professional Mortgage Advisors will give you easy to understand, and honest advice on the right home loan solution to meet your unique financial goals.
Find out more about the different types of home loans below:
Find out what a mortgage might cost, what your scheduled repayments might be, or find a faster way to pay your home loan off with our mortgage repayment calculator.
Getting a home loan in New Zealand is a multi-step process that usually takes anything from a few days to a couple of weeks to complete, depending on your circumstances and requirements. Our experienced financial advisors will help you to understand all the best home loan options to meet your needs, and can assist with all the required paperwork and processes.
Since 2014, our team has been helping Kiwis navigate the home loan process with confidence. Together, we bring over 150 years of combined experience across the financial industry, along with a deep understanding of New Zealand’s ever-changing lending landscape.
We take pride in building long-term relationships through honest, down-to-earth advice, focusing on home loan solutions that are tailored to your needs. Whether you’re buying your first home, next home, or investing, we’re here to guide you every step of the way.
To arrange a free, no-obligation chat about your home loan needs, get in touch with one of our Auckland-based Mortgage Advisors today.
“Andrew came highly recommended to us by a work colleague and we couldn’t have been happier with his service. This was our first home and he answered every question we threw at him while providing honest, detailed information on the questions we didn’t know to ask. Everything was thorough and on-time and we have no hesitation in recommending him as a mortgage broker.”
- Alyce & Sam
Our professional advisors have built lasting relationships with over 20 of New Zealand’s leading mortgage lenders. These relationships allow us the flexibility to choose from a wide range of home loans that offer competitive rates and are on terms that best suit your financial goals.
Because our Mortgage Advisors are fully independent, we’re able to offer simple, honest and non-biased advice on which mortgage options will work best for you.
If you’re a first home buyer wanting to purchase an existing home, it is often stated that you will require a deposit that is 20% of the home’s value. This can be misleading, and the deposit amount you will require will depend on a range of factors, and differ from lender to lender.
A range of factors contribute to how easy, or difficult it can be to get a mortgage in New Zealand, ranging from the property price to your financial circumstances. Mortgage Advisors can work with a range of lenders to secure approvals for a home loan even if you’ve been denied by another lender.
The standard term for a first home mortgage in New Zealand is 30 years. Home loan terms can vary across differing loan products and structures, and are affected by things such as an applicant’s age.
Depending on your requirements and circumstances, the home loan application process usually takes anything from a few days to a couple of weeks to complete. By talking to a professional mortgage advisor, you can get a better assessment on how long you can expect your approval and final settlement to take.
Whether you’re looking for expert mortgage advice to get you into your first home, or you’re upgrading, refinancing or looking for an investment property, our experienced team can help find the right solution for you.
