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First Home Buyers Mortgages & Pre-approval Finance

Buying your first home can be an exciting but daunting experience, particularly if you are unsure of what requirements you need.  I will be there every step of the way, working with you, to ensure the best outcome for you.  I will assist you with the process and also help you with getting your finance Pre-approved so you will know exactly how much you have to spend.

Interested? - Call Now


KiwiSaver Deposit for new Home Loans

Are you aware that you may be able to access your KiwiSaver funds for a deposit and, if so, may even be eligible for a Housing New Zealand subsidy of up to $1000 for every year that you have contributed to KiwiSaver? This can be just one way of providing the deposit. Talk to me about all the different options that are available to you.  With over 80% of my clients using KiwiSaver as their deposit I am always up-to-date on all the KiwiSaver requirements.

Check the Eligibility Table to see if you qualify.

Interested? - Call Now

New Home Build Finance or Construction Loans

Understanding the funding requirements for building a home can be quite complex.

My one piece of advice is before you start you need to get your funding in order and understand what a lender will require. It will also mean a smoother process when talking with buildings/architects and looking at different plan options.


Different lenders have different approaches to construction lending so it's important that you understand the build process and what each lender can offer and how the differ.


Once approved for your borrowing you can then start the exciting journey of choosing your section and builder and working on your new house plans.


Having built my own home I understand the build process and am well equipped to talk you through the things often forgotten when it comes to building

Interested? - Call Now

Residential Investment Property Finance

Real estate is a powerful way to build wealth and leverage tax savings.  If you have equity in your own home in New Zealand you can even look at borrowing 100% finance using your Home as collateral for the loan. 


Aside from the fact that investment property can provide you with an additional income it also provides you with security in retirement as a means of forward planning for those golden years.

Interested? - Call Now

Mortgage Refix or Restructure

When your fixed rates fall due or if you want to refinance, rather than talk to your Bank or different Banks direct let us do all this for you.  We can ensure your bank is giving the best deal for you.


Through discussing your individual situation I can provide more choice and better deals without you having any stress.

Interested? - Call Now

Mortgages for Self-Employed

Being self-employed can sometimes make it more difficult when looking at a mortgage.  You may:-

  • not have your financials up-to-date

  • recently become self-employed after working in a similar industry before

  • not be able to provide proof of regular income

  • be a new business
  • have a complex business structure

While it's beneficial to be able to provide current confirmation of income there are lenders who offer "low doc loans" where financial documentation to prove income is not always required.


If you are self-employed and interested to know what your options are call today for a free no obligation chat and learn how I might be able to help.

Interested? - Call Now

Lending for Debt Consolidation or IRD/ACC Arrears

Do you have a number of small debts and equity in your current home? 

Have you thought about tidying up all your outstanding debts with one simple loan to make budgetting that much easier?

By consolidating debt it will allow you to:-

  • get yourself a debt-free faster by making use of lower interest rates while keeping slightly higher repayments so you pay it off faster and pay less interest

  • have just the one payment for all your debts

You can structure the debt so If you wish to make extra payments you can, with no penalties.

At the same time you can also consider whether you wish to have available extra money for those wonderful things in life you enjoy.

Interested? - Call Now

First Home Buyers | Debt Consolidation | Wellington

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