A mortgage adviser helps you find the best home loan tailored to your needs. We compare multiple lenders, explain your options in simple terms, and guide you from pre-approval to settlement—handling all the paperwork along the way.
As your adviser we give you access to multiple lenders, better rates, and smarter structures (like offset accounts or revolving credit) that your bank might not mention. More choice = more savings.
Buying my first home -Where do I start?
Start with a pre-approval. We’ll help you figure out how much you can borrow, check your eligibility for First Home Grants or KiwiSaver withdrawals, and explain the process from start to finish.
How much deposit do I need?
Most banks require a 20% deposit but most of the Banks allow as little as 5–10%, especially for first-home buyers. We'll help you understand your options based on your income, credit, and property type.
Can I use my KiwiSaver to buy a house?
Yes! If you've been contributing to KiwiSaver for at least 3 years, you may be eligible to withdraw funds for your first home and apply for the First Home Grant. We can guide you through both.
Self-Employed Applicants
Been self-employed for less than a year—will a bank lend?
Traditional banks usually require 2 years of financials, but don’t worry there are options. Some banks and lenders will consider your application with as little as 6 months of trading history, especially if you have:
We work with these lenders regularly and can help present your case clearly to improve your chances.
My fixed rate is expiring—should I refix or refinance?
It depends on your goals and the market. We’ll review your options across lenders and help you decide whether it’s better to stay put or move for a better deal. You may also consider restructuring for flexibility or faster repayments.
Can I consolidate other debts into my mortgage?
Absolutely. Rolling higher-interest loans or credit cards into your mortgage can reduce your total repayments—but it’s important to understand the long-term cost. We’ll help you weigh the pros and cons.
Canterbury Region -
How does zoning or earthquake risk affect my loan?
We’ll work with banks that understand Christchurch’s unique landscape and still offer competitive lending.
Application Process
What documents do I need for pre-approval?
ID and proof of residency
Income proof (payslips or business financials)
Business Financials – Finalized accounts for recent financial year
Recent bank statements (3–6 months)
IRD summary of earning for last 2 Financial years and recent 12 months
KiwiSaver balances or savings statements/ Gift letter
Details of any debts or loans
How long does mortgage approval take?
It varies. Pre-approvals can take 5 -10 working days once we have all your documents. Fast-track options are available if you're making an offer soon.
