Loan
We'll find the right loan for you, free of charge. Through partnerships with New Zealand's major banks and second-tier lenders, we help you secure the most favourable loan terms available.
Why Use A Broker?
We compare products across banks and recommend the best fit for you
We negotiate rates and handle the paperwork on your behalf
Banks pay us — so there's no cost to you
How It Works
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We learn about your situation, goals, and what you're looking to finance.
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We shop your loan across New Zealand's major banks and second-tier lenders to find the best fit.
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We handle the paperwork and negotiate your rate on your behalf.
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We guide you through to settlement, and stay on hand for refixing or future changes.
Repayment Types
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Principal + interest together, same payment amount each month (most common)
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Principal stays the same each month, interest decreases over time
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Interest only for a set period (often for investment purposes)
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Draw down and repay flexibly, like an overdraft
Frequently Asked Questions
We've put together answers to the questions we hear most often from clients. If you don't see what you're looking for here, don't worry — contact us anytime if you want to chat, no question is too small.
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A loan obtained from a bank or other financial institution to purchase a house. The loan is secured against the property being purchased, and the bank's interest is registered on the title.
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A general term for a secured loan, most commonly used to refer to a home loan specifically.
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Typically up to around 80% of a property's appraised value or purchase price, though this can go higher — sometimes 90%+ — if repayment capacity is strong.
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Typically 25 to 30 years. A shorter term means higher monthly principal repayments.
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What's the difference? A fixed rate stays the same for an agreed period, making budgeting easier. A floating rate moves with the market, but allows penalty-free early repayment.
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The day the new owner pays the remaining balance to the seller and legal ownership of the property transfers.