GET ON THE PROPERTY LADDER QUICKER WITH ONE OF NEW ZEALAND'S LEADING MORTGAGE BROKERS.

FREE E-BOOK DOWNLOAD - FIRST HOME BUYERS GUIDE

SAVE TIME AND REDUCE STRESS WITH A MORTGAGE BROKER

WHY USE A MORTGAGE BROKER?

Get the legwork of finding a mortgage provider done for you, so you have more time to find the right house. Broker's can source finance from a range of lenders so you get the best deal and will provide unbiased advice.

WHY USE A BROKER? >

HOW TO STRUCTURE
YOUR LOAN

In New Zealand there are four main facilities available from lenders, interest only loans, table loans, principal reducing loans and revolving credit. Which to choose will depend on your financial circumstances and commitments.

UNDERSTAND LOAN STRUCTURE >

HOW MUCH DEPOSIT
WILL I NEED?

Banks normally like to see genuine savings as the deposit and are generally are comfortable to lend to 80% of a standard residential property’s value.

FIND OUT MORE >

REDUCE YOUR TO DO LIST TODAY.
USE A MORTGAGE BROKER TO SECURE YOUR FIRST HOME LOAN.

HELPING YOU UNDERSTAND WHAT BANKS NEED

WHAT BANKS LOOK AT - THE 5 C's

When lending, banks refer to the cannons of lending, or the 5 C's; character, capacity to repay, collateral, conditions and capital..

THE 5 C's IN DETAIL ›

WHAT BANKS NEED TO ASSESS AN APPLICATION

Banks require several pieces of core information, including a signed loan application, evidence of incomes, copies of transactional statements and more.

WHAT BANKS REQUIRE ›

PROPERTY TYPES MATTER

Banks will generally lend up to 80% comfortably for a standard residential property. Examples of non-standard properties include apartments under 40m2, serviced apartments and leasehold property.

MORE NON-STANDARD PROPERTY TYPES ›