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Mortgages

Mortgages

Mortgages Made Simple

Buying a home, refinancing, or investing? The mortgage world can feel like a maze, but we’re here to guide you through it without the jargon or stress. Whether you’re after your dream home, a better deal on your current loan, or gearing up for an investment, we’ll make sure you get the best possible mortgage for your situation.

How It Works

Getting a mortgage doesn’t have to be a headache. Here’s how we break it down:

STEP 1

Let’s
Talk Money

We start with a chat to understand your goals, budget, and what you're looking for in a mortgage. Whether you're a first-home buyer, refinancing, or investing, we’ll figure out the best approach for you.

STEP 2

Finding the Right Lender

Not all lenders are created equal. We compare banks, non-bank lenders, and other options to find one that matches your needs—better rates, lower fees, and terms that actually work for you.

STEP 3

Securing the
Best Deal

Once we’ve found the right lender, we negotiate on your behalf to lock in a competitive rate and loan terms that won’t leave you second-guessing your decision.

STEP 4

Paperwork? We’ve Got It Covered

We’ll guide you through the application, handle the fine print, and make sure everything’s sorted so you can focus on celebrating your new home or investment.

Why Work With Us?

With so many lenders and loan options out there, here’s why we’re the best at making mortgages easy:
We work with a wide range of lenders, so you’re not stuck with just one bank’s options.
We fight for lower rates and better terms, so you don’t have to.
No confusing financial jargon, just straight-up advice that makes sense.
We don’t disappear once your loan is approved. We’re here for advice whenever you need it.

How Mortgages Work

At its core, a mortgage is a loan that helps you buy property, but the details can get a little complicated. Interest rates, loan structures, fixed vs floating, it’s a lot to take in. That’s where we come in. We help you understand your options, compare lenders, and make sure your mortgage works for you now and in the future.

Frequently Asked Questions

It depends on the lender and loan type. Generally, you’ll need at least 20%, but there are options for lower deposits, including first-home buyer schemes and non-bank lenders.
Absolutely! It might take a little extra paperwork, but we work with lenders who specialise in self-employed borrowers and can help you prove your income in a way that works.
It depends on your situation. Fixed rates offer stability, while floating rates give you flexibility. We’ll help you figure out what works best for your budget and financial goals.
That’s where we come in. We compare rates, terms, and lender offers to make sure you’re getting the best possible mortgage for your needs.
Yes! If your current home loan isn’t cutting it anymore, we can help you switch to a better deal, whether it’s a lower rate, better terms, or more flexible repayment options.

Contact Info

  • 134 Cashmere Rd, Cashmere, Christchurch, 8025
  • Phone: 022 562 3750
  • Open Hours:
  • Monday to Friday 8am - 6pm
  • Saturday 10am - 4pm

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