How we get the Best Mortgage

Five ways we make it easier for you to get the best mortgage

1. Making your home loan options clear

By listening closely to your needs and understanding your situation, we can explain to you in easy-to-understand terms all the home loan options available to you. We'll help you decide what structure of mortgage best suits your needs – advice that could save you thousands of dollars over the term of your loan.

2. Finding you the best mortgage deals

Because we specialise in home loans, we know the market inside out, which means you don't have to. We'll tell you straight away which lenders suit your needs, and eliminate those that don't, saving you the time and hassle of contacting them all yourself.

3. Negotiating with banks on your behalf

Thanks to our in-depth industry knowledge, we know when a lender could be giving you a better deal. Whether it's help with legal fees, lower interest rates or even a free gift or cash bonus, we have the knowledge – and the confidence – to negotiate these on your behalf. So you could get a better deal on your mortgage, without even trying.

4. Meeting the lender's conditions

We'll help you gather all the information you need to meet the lender's conditions for loan approval. Because we know exactly what each lender wants to see, we can ensure you provide all the information they want (and none of what they don't), giving you the best chance of getting your loan approved first time.

5. Submitting your mortgage application

Sometimes it can seem like banks speak another language. Because we understand 'bank jargon', we can translate your mortgage application into a language the banks will understand, so your loan can be processed faster. And when your application is complete, we'll submit it to your chosen lenders, saving you the hassle of doing it yourself.

Best Way to Structure a Mortgage

When it comes to structuring your mortgage, there are several options available in New Zealand — and the "best" one depends on your financial goals, lifestyle, and risk tolerance.

• Fixed-rate mortgages offer predictability. You lock in an interest rate for a set term, helping with budgeting and providing stability during uncertain economic periods.
• Floating (or variable) rate mortgages move with the market. They often allow extra repayments without penalty and can be beneficial if interest rates drop.
• Split mortgages combine the best of both worlds. You can fix a portion of your loan for stability, while keeping a portion floating for flexibility.
• Offset or revolving credit facilities link your loan to everyday bank accounts. Your account balances reduce the interest you pay, making this structure ideal for disciplined savers.

Choosing the right structure is a crucial part of securing the best mortgage outcome. But with so many variables to consider — from rate trends and repayment goals to
how long you plan to stay in the property — it's easy to get overwhelmed.

That’s why working with a professional is so valuable. We take the time to understand your full financial picture and help you design a mortgage structure that aligns with your lifestyle and long-term goals.

Because ultimately, the best mortgage is one that works for you — now and into the future.

Frequently Asked Questions

What is the best type of mortgage for first-home buyers?

It depends on your financial situation and future plans. Fixed-rate loans offer stability, while floating loans provide flexibility. A split loan can offer the best of both. A mortgage adviser can help tailor the structure to suit your needs.

Can I change my mortgage structure later?

Yes, many lenders allow you to restructure your mortgage as your financial situation changes. This could include refixing, switching to a floating rate, or moving to a revolving credit facility.

What are the benefits of a split mortgage?

A split mortgage lets you divide your loan into fixed and floating parts, giving you a balance of stability and flexibility. This can be helpful if you want to make extra repayments without penalties.

How does an offset mortgage work?

An offset mortgage links your home loan to one or more of your everyday bank accounts. The balances in those accounts reduce the amount of interest charged on your mortgage, helping you pay it off faster.

Why should I use a mortgage adviser?

A mortgage adviser provides expert, independent advice to help you secure the best mortgage structure and deal. They simplify the process, negotiate on your behalf, and guide you through each step of the journey.

Ready to get started? Fill out some basic details by clicking on the Apply Now button below to book a free consultation.