OUR PROCESS PRESENTS THE BEST APPLICATION TO THE BANK, SO THEY FIND IT DIFFICULT TO SAY “NO”.

This is how it works

  • Fill in our assessment form
  • We will let you know your options
  • We make an appointment
  • We talk to the banks
  • Within days we've got results
  • You can make an offer on a new home

Mortgage Assessment Form

Find out your mortgage options now

To get the ball rolling we ask that you fill in the following form, it is super easy to complete and 100% obligation free.

Send us the form, then we will contact you to discuss your options.

A plan that's all about you

We get to know you first and tailor a mortgage with you, for you. That’s what makes our home loans so darn good.

We keep things simple

We use language you understand and give you options that you can easily act on.

we're always there for you

Financial freedom takes time, so we devote our time to helping you.

We’re experts who work for you

Our team has over 50 years’ experience in finance so you can relax and let us do the hard work for you.

MORTGAGE SERVICES:

First home buyer

We have your back! We do all the hard work for you and make your first home journey simple. We complete your Housing NZ paperwork if eligible. We will work with you to get the best lending result possible and ensure a good fit with your bank. Sit back and relax – we got this!

Buying a new home

We consider all options to find you the best deal! Another bank may be a better fit for your changing circumstances, ultimately you make the choice after we do all the leg work for you. Use our time and expertise to save you money!

Looking to refinance?

It pays to shop around to ensure you have the best bank for your situation! Each bank has different criteria and we can work with you to find the best fit AND the best rate. Leave it in our hands, enquire now!

Want to reduce your debt?

Consolidating debt can make a huge difference to maintaining your lifestyle! We can look at options to save you money and reduce debt. Complete our debt enquiry form now for a free no obligation assessment!

Use the mortgage calculator now to find out how much you could potentially borrow.

What you need to know :

Home-buying guide

1 FIRST APPOINTMENT: with Brenda
Work out borrowing limits and needs for life, health, mortgage protection insurance. Apply for pre-approved loan.

2 Conditional pre-approval: with Brenda
You will receive a loan offer from your bank which may be subject to conditions – ie: registered valuation; copy of Housing NZ subsidy confirmation, etc

3 Making an offer: with Brenda and your Lawyer
Discuss how many days for finance and if any other conditions to be added, eg Lim Report

4 Unconditional approval (SOLD!): with Brenda and your Lawyer
– Loan conditions met
– Finance approved
– Lawyer advised and confirms the contract can 
  go unconditional

5 Loan structure/insurance: with Brenda Discuss options of floating vs fixed; or mix of. Discuss life or mortgage protection insurance

6 Pre-loan settlement: with your Lawyer and Bank Sign loan documents and arrange new accounts with your bank (must have House Insurance Cover in place for settlement).

7 GET IN THERE: with your Lawyer Lawyer receives settlement funds from bank, including your deposit, keys to your new home handed over so you can move in. Now for the hard part – packing and shifting!

What you need to know :

Home-buying guide

1 FIRST APPOINTMENT: with Brenda
Work out borrowing limits and needs for life, health, mortgage protection insurance. Apply for pre-approved loan.

2 Conditional pre-approval: with Brenda
You will receive a loan offer from your bank which may be subject to conditions – ie: registered valuation; copy of Housing NZ subsidy confirmation, etc

3 Making an offer: with Brenda and your Lawyer
Discuss how many days for finance and if any other conditions to be added, eg Lim Report

4 Unconditional approval (SOLD!): with Brenda and your Lawyer

  • Loan conditions met
  • Finance approved
  • A lawyer advises and confirms the contract can go unconditional

5 Loan structure/insurance: with Brenda
Discuss options of floating vs fixed; or a mix of. Discuss life or mortgage protection insurance

6 Pre-loan settlement: with your Lawyer and Bank
Sign loan documents and arrange new accounts with your bank (must have House Insurance Cover in place for settlement).

7 GET IN THERE: with your Lawyer
Your lawyer receives settlement funds from the bank, including your deposit, keys to your new home handed over so you can move in. Now for the hard part – packing and shifting!

"…you are the maker of dreams.”

We still can’t quite believe it, we just sit in our living room amazed that we achieved this. We just want to say a great big thank you to you and all your crew, without you we wouldn’t have achieved this dream.

Nicky and Andrew

"You have made a potentially stressful time very easy for us.”

“Thank you so much for all of your hard work and dedication to our house buying journey!
We have really appreciated it and will recommend you (and use you) for any purchases we make in the future. You have made a potentially stressful time very easy for us.”

Josie & Paul