How we can help
Home loans, construction lending, and debt consolidation — jump to the section that fits your situation.
Home loans for every stage
Whichever stage you're at, a mortgage set up incorrectly can take longer to pay off — we negotiate terms and structure your loan so you can pay it off sooner.
First home
The KiwiSaver first-home grant has ended, but the Kāinga Ora First Home Loan still lets eligible buyers in with as little as a 5% deposit (income caps apply), and your KiwiSaver savings can go toward that deposit too. We help you work out what you can borrow, get pre-approved, and negotiate real numbers on rates.
Next home
Moving up or relocating? We work out what you can spend before you buy or sell, help with bridging finance if you need it, and line up the timing so buying and selling work together.
Investment property
People invest for capital gains, rental income, or to set up the kids. Banks generally require a larger deposit for a rental and the minimum keeps shifting — lenders still look at affordability, equity and deposit much as they would for a standard home loan. The rules keep changing; we help you navigate it.
Building a home?
Whether it's a first home, next home, or an investment build, construction lending works differently from a standard home loan — we help you navigate it.
How does construction lending work?
We structure progress-payment lending to fit your build timeline, so funds are drawn down as each stage of the build is completed rather than all at once. We'll work with your builder's payment schedule, keep the bank comfortable at each stage, and help line everything up with settlement or your existing loan once the build is finished.
Debt consolidation & personal finance
Tidy up multiple debts into one manageable payment, or fund life's other big purchases.
Debt consolidation
Roll multiple hire purchases, loans or credit cards into one manageable payment, at a better rate.
Personal & car loans
Competitive rates for a car, renovation, education, or whatever else you need to fund — including a free assessment of an existing car loan.
Not sure where to start?
Book a no-obligation chat and we'll point you in the right direction.
Apply Now