More than a
Mortgage Broker

Whether you’re a first home buyer, reviewing your existing mortgage or a property investor, we’re here to assist you make informed, forward thinking decisions. Our expert’s work hard to make buying property easy and in most cases, it won’t cost you a cent.

Where are you right now

in your buying journey?

Based on your buying journey, our Home loan advisers in New Zealand
Can give best home loan solution for your needs.

Step 1: Prepare Yourself

Ready yourself for house hunting & organise paperwork for the home loan.

Step 2: Start Process

Contact us to begin a home loan application & Search for your ideal house.

Step 3: Finalize

Make your best & suitable offer on the house and finalize your home loan with the bank.

Step 4: Move IN

Choose the right home loan options and start the preparations for moving in.

The Process

Before you get the keys of your new home, a wide array of processes is conducted. If you have no idea of buying processes, get our help as we can convert complex buying easier for you.

Meet an Adviser

Let us take a quick glance of what is the process of buying a home. First, you meet a mortgage adviser and get an assessment done to see how much you can borrow.

Get a Pre-Approval

Then, you work towards a pre-approval. Your credit score might be taken in considertion. after a pre-approval is done, you search for a property in your price bracket.

Sale & Purchase Agreement

Once you find a suitable property, you put an offer on a Sale and Purchase Agreement subject to conditions.

Unconditional Contract

After these conditions are satisfied by the bank, through us, the contract is made unconditional. This may take 5-10 working days.


You put a settlement date on the Sale and Purchase Agreement but before the date arrives, you meet with us to seek the best possible mortgage structure so your loans are paid off faster.


Get a Pre-Approval & buy with confidence

We have huge knowledge about the consideration involved in a pre-approval. Our experienced mortgage brokers help you in reducing both time and effort that is required to get a pre-approval.

Refinance Your

Finding the right sort of mortgage is no easy task & home buyers require professional guidance to strike the best deal. Consult us as our team of advisors offers the best home loan solution.

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Essential Mortgages & Insurance Services

Banks to choose from

Frequently Asked Questions -  FAQ

How do home loans work in New Zealand?

With a few exceptions, home loans in New Zealand operate similarly to those in many other nations. To finance the purchase of a property, borrowers typically apply for a home loan from a bank or other lending institution. Both the borrower and the lender agree on the loan's amount, interest rate, and term (duration). In New Zealand, borrowers are frequently presented with the choice between fixed-rate and variable-rate loans, each of which has specific benefits. Variable-rate loans are subject to changes in the market, whereas fixed-rate loans have an interest rate that is locked in for a predetermined amount of time, ensuring repayment stability. Repayments consist of principal (the total amount borrowed) and interest and are made on a regular basis, typically every month. As the borrower makes loan payments over time, the amount owed is gradually reduced until the loan is paid in full, at which point they become the property's owner.

Do you need a 20% deposit to buy a house?

When purchasing a home, a 20% down payment is frequently regarded as ideal because it provides a number of benefits. Lenders' mortgage insurance (LMI), which is necessary for borrowers with smaller deposits to reduce their risk, is normally avoided by borrowers with a 20% deposit. Furthermore, since lenders consider borrowers with larger deposits to be less risky, larger deposits frequently result in better interest rates and more advantageous loan terms. It's important to remember, though, that a 20% deposit is not always required. Deposits as low as 5% or 10% may be accepted by certain lenders, particularly for those utilizing government-backed programs or first-time homebuyers. A smaller deposit can still make homeownership more accessible to people who might not have enough savings for a larger deposit, even though it might mean paying LMI and possibly higher interest rates.

How long does it take for a bank to approve a home loan NZ?

In New Zealand, a number of factors can affect how long it takes a bank to approve a home loan. The procedure can typically take a few days to several weeks. A borrower's creditworthiness, income stability, debt-to-income ratio, and property valuation are just a few of the factors that banks usually consider. The approval process can be accelerated by accurately and quickly submitting all necessary documentation. The lender's workload, the intricacy of the loan application, and any outside influences like changes in market conditions or policy can also affect the timeline. To expedite the approval process and guarantee a more seamless experience, borrowers should maintain regular communication with their lender, promptly respond to any requests for information or documents, and work with a mortgage advisor if necessary.

What is the lowest deposit for a house in New Zealand?

In New Zealand, a down payment of no more than 5% is normally needed to purchase a home. However, this could change based on the borrower's financial circumstances and the lender's policies. Government-backed programs like the KiwiSaver HomeStart grant and the First Home Grant may also be available to first-time home buyers. These programs can help them raise their down payment amount by providing grants and contributions from their Kiwi saver accounts. To find out the precise deposit requirements that apply to their situation, prospective homeowners should speak with lenders and look into any available assistance programs. It is also advantageous for borrowers to aim for a higher deposit if at all possible, since a larger deposit such as 20% or more can frequently result in better loan terms, such as lower interest rates and the avoidance of the requirement for mortgage insurance.

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Let us introduce you to helpful experienced experts. We will set up meetings with a financial advisor who can offer you a huge range of mortgage, home loan and insurance options specifically tailored to your needs. Contact Us Now!

Auckland Branch:

5/129 Great South Road, Papatoetoe, Auckland 2025

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