Whether you’re buying your first home, building, renovating or looking to refinance, our professional mortgage advisors can help find the best home loan for you.
The team at Personalised Mortgages understands that everyone’s financial goals are different, which is why we pride ourselves creating home loan solutions that are tailored to your specific needs. Whether that’s a mortgage for your first home, re-financing for renovations or consolidating debt to bring down interest payments, our team will take the hassle out of finding the right home loan solution for you.
With our decades of experience and long-standing relationships with home loan lenders across New Zealand, we’ll help you secure the mortgage you need, at a competitive rate and on the terms you want. Best of all, our services are usually free, so get in touch with one our friendly advisors today to discuss your next home loan.
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.
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.
All our mortgage advisors have at least 10 years’ experience in the financial industry and have a wealth of knowledge of New Zealand’s fast-changing home loan market. We take pride in creating relationships that often last decades, with our honest and down-to-earth advice, and focus on finding home loan solutions tailor made to your needs. To arrange a free, no-obligations meeting to discuss your home loan needs, get in touch with one of our Auckland-based mortgage advisors today.
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.