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Mortgages

For most people taking out a mortgage will be the biggest financial decision that they make. Whether you are buying your first home, reviewing your current mortgage or looking to invest in property, we will guide you through the process with impartial, objective advice.

First Home Loan

Knowing where to start can be the hardest thing, and a bit scary! We’ll help you navigate the home buying process from start to finish.

We work with all the major banks and other lenders so that you have more opportunities to find the best solution. We’ll help with the application criteria and pre-approval process as well as taking the hassle out of dealing with banks.

There’s no time like the present – you don’t need to keep saving for a 20% deposit! Check out recent blog posts explaining how:

How to Buy with 5% Deposit.

Buying Your First Home.

My Current Home

We don’t just help first time buyers. We give ongoing support to current homeowners who may wish to borrow some extra cash to refresh or renovate their homes, or just to take advantage of the latest and best rates. Maybe you need to extend your home for the kids or parents, add a ‘sleep-out’, minor dwelling or tiny house – we’d love to help!

We can help you restructure when a fixed interest loan is coming up for expiry, or your personal circumstances change. Whatever the reason, it may be the perfect time to review what is available. Reducing your mortgage to take years off your repayments may be more achievable than you think.

Investment Property

Properties are highly valuable assets and owning an investment property (or more) could be a good way to grow your future wealth. Whatever the political landscape, we’ll give you objective, practical advice to work out what’s possible right now.

We’ll work with you to see if the numbers stack up using equity in your current portfolio, the deposit you will need, and the likely ongoing costs. We’ll also look at what yield you are likely to receive from rental income, provide projections on when you will be debt free, and the future value of your portfolio. We’ll refer you to our trusted network of Investment Property experts and point you in the right direction for tax and legal advice that you may need in the future.

Calculators

Repayment ScheduleYour Minimum Payment$0.00Loan Amount$520,000Number of Repayments270Interest Payable$139,000Total Payable$659,000Get In Touch

KiwiSaver is a voluntary savings scheme in New Zealand. Individuals can use it to save for their retirement. If you have been contributing to KiwiSaver for at least three years, you may be eligible to withdraw your savings in certain circumstances. In this article, we will study the different ways you can withdraw your KiwiSaver.

Traditionally, in January, we look at our current position. We make big decisions about what to change in the upcoming year. Whether our goal was to lose weight, pay off the mortgage or increase our retirement savings unfortunately, we sometimes falter by February. There are strategies that actually work to enhance our chances of success.

Set yourself up for success, before you start shortlisting properties and planning what you’ll do with your quarter acre. Seek out experts and accept help. In fact, we're here to guide and plan your homeownership journey right from the moment you start your career! “When you align all actions to a single outcome, and you keep working at it, your success will look effortless and obvious to the outside.”

Whether you’ve just bought a new home or you’ve received a letter from your bank to fix or refix your mortgage, the question of whether to fix or float will inevitably arise. Making the right choice for your financial future is worth getting advice on.

Have you ever wondered about the role of non-bank lenders in the New Zealand lending market? Often overlooked in favour of traditional banks, non-bank lenders are an excellent alternative worth exploring. In this article, we'll delve into the intricacies of non-bank lending institutions, dispelling common misconceptions and shedding light on their vital role in New Zealand's home loan market.

Financial Planning combines a personalised financial plan, carefully engineered by a Financial Advisor, to illustrate the path towards earlier financial freedom. Our Financial Cashflow Modelling software maps your journey, spanning your life decisions all the way to age 100. Our plan will consider your wellbeing, ideal lifestyle, home life, family, business, work and long-term aspirations. This will give you the confidence needed to understand your financial situation and make the best decisions for tomorrow. Read on to see how we'll help you obtain financial freedom and peace of mind earlier.

In this series of articles, we will begin by exploring the various life and health insurance options and organising them in order of priority, specifically tailored to the needs of most New Zealanders. Following that, we will delve deep into the realm of Health Insurance. Finally, we will discuss the recommended approach for investing in your insurances, ensuring that they remain affordable for as long as you require cover.

This situation arises in the aftermath of relationship changes, whether it's between partners ending their joint lives, or simply friends or family who purchased a home and now seek to go their separate ways.

Contemplating our own mortality is never easy. However, preparing for the future can ease the uncertainty for our loved ones once we're gone. Leaving this world without clear legal instructions regarding your finances and assets can place your family in a difficult situation.

New Zealand has experienced a surge of opportunity in recent years, as an abundance of newly constructed homes has emerged across the country. This bountiful supply of properties has not only made it easier for first home buyers but also captivated the attention of savvy investors. With a myriad of choices spread out before them, both groups find themselves amidst a housing market brimming with potential and possibilities.

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Google Rating
5.0
Based on 20 reviews
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Facebook Rating
5.0
Based on 10 reviews
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Disclaimer

This calculator is intended as a guide only and is based on the Residential Owner Occupied rate. It is not intended to provide advice, and is not a quote or an offer of finance by any lender.