You save time and stress. We deal with the banks for you, compare your options, and help you find the right fit. Best of all, the banks pay us, so you do not get a bill from us.

We are happy to schedule appointments in the evenings, or at a time that suits you!

Every bank has different specials and product for it’s different type of customers. It is our job to know which bank will be the best fit for your personal situation! (We have years of experience here!)

We work through your personal situation – income, expenses, assets, personal debts, savings etc., and we then work out what you have left over when you have paid all of your monthly bills. Then, if there is a healthy surplus – we can potentially have your lending approved!

It depends on the lender and your situation. In some cases, you may be able to buy with as little as 5% deposit. Many first-home buyers start around 10%, and a 20% deposit can give you more lender choices.

Banks will allow you to pay off your lending over a maximum 30-year term. We of course, will encourage you to pay it off sooner!

Yes. Being self-employed does not stop you getting a home loan. You will usually need up-to-date financials, and we will talk you through the rest.

We actually have clients all around New Zealand. We fly, zoom, drive, walk and cycle to see our clients.

We stay in contact and help you on a yearly basis with fixing your interest rates. We are here for the long haul – we want to see you eventually paying off your house in full!

It really does depend on your circumstances. Fixed rates will give you certainty with your repayments and allow you to budget accordingly. Whereas the floating rate will give you flexibility with your repayments. Give us a call – happy to clarify this in further detail as it really is a tailored approach.

The process is similar, there are just a few additional documents and checks required along the way. All the banks have different policies for construction lending, so we will talk you through your options and help you choose the best fit for your situation.

Firstly, we will work with you to understand what went wrong, then help you to fix it. Then we will create a plan to look at who might be able to lend to you in your current situation. There is always a solution – again, it’s a tailored approach.

Yes. If a main bank is not the right fit, a non-bank lender can be a useful option. We can explain the pros, costs, and trade-offs, and help you decide what suits your situation.

We often see approvals in 5 to 7 days, but it depends on the bank and how quickly you can get the info together. Sometimes it can be faster.

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Absolutely. We can help with lending for investment properties and talk you through the options, the bank rules, and what will suit your goals best.

Just the basics to start: ID, income details, savings, debts, and a rough idea of what you want to do. If we need more, we will talk you through it.

Yes, we can. We will review your current loan, check whether there is a better rate or setup available, and help with the switch if it makes sense for you.

Yes, we do. We can help you look at life insurance options alongside your mortgage, so your cover and your lending work well together.