Get the right home loan,
without the stress or second guessing.
Jessie Parker - our home loan expert
We help busy Kiwis structure smarter lending, negotiate better rates, and make confident decisions, without spending hours dealing with banks.
Know exactly how much you can borrow
Compare multiple lenders, not just one bank
We handle the process from start to finish
Book a chat with Jessie Parker - Director & Licensed Financial Adviser
With over a decade of experience in personal and private banking, Jessie specialises in helping Kiwis navigate the home loan process with confidence.
Residential Property Lending
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Refinance & Next Home
Looking for a better rate or ready to look for the next place to call home, we can review and recommend the best option for your mortgage.
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Building a Home
Whether you are building your first or fifth home, with our expertise you’ll secure the best finance option.
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Refix & Restructures
If your circumstances or the market has changed, you might consider refixing your home loan to take advantage of lower interest rates or a change in the terms.
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Investment Property
If you are ready to invest in property, it's equally important to ensure you get the right finance solution. Let us guide you through the process.
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International Buyers
Navigating a new country’s financial system can be a challenge. Let us help you secure a home loan in New Zealand.
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Bridging Finance
If you’ve found the perfect property but your home has not sold, let’s find a way to bridge that gap.
FAQs
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This depends on your income, expenses, deposit amount, and the type of property you're purchasing. We’ll help you understand your borrowing power and work with lenders to get the best possible outcome for your situation.
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Generally, a 20% deposit is ideal for owner occupied home, but there are options available with as little as 5–10% depending on your circumstances and lender criteria. First home buyers may also be eligible for support through government schemes.
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A fixed rate stays the same for a set period (e.g. 1–3 years), giving you certainty with repayments. A floating rate can change over time, offering more flexibility like the ability to make extra payments. We’ll help you decide what’s best for your goals.
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Yes – and it’s a smart move. A pre-approval gives you a clear budget and shows real estate agents and sellers that you’re serious. We’ll take care of the paperwork and keep things moving smoothly.
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The OCR influences how banks set interest rates. When the Reserve Bank raises or lowers the OCR, it can impact your home loan repayments — especially if you’re on a floating or short-term fixed rate. We keep clients updated and help you plan ahead.
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Yes! Refinancing can help you save on interest, access better loan features, or unlock equity for renovations or investments. We’ll review your current lending and negotiate with banks on your behalf.
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If you're self-employed, lenders will assess your business income differently. We'll help you prepare the right documents (e.g. financials, tax summaries) and match you with lenders that understand small business owners.
