FAQ

The amount you can borrow depends on your income, expenses, deposit size, and overall financial situation. We can assess your circumstances and provide a tailored borrowing estimate.

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Yes, if you meet the eligibility criteria, you may be able to withdraw your KiwiSaver funds to contribute to your first home purchase. You may also qualify for a First Home Grant. We can guide you through these processes.​

If interest rates rise, your mortgage repayments may increase, especially if you are on a floating rate or your fixed term ends. We will work with you to create a loan structure that manages potential risks.

Pre-approval is a conditional offer from a lender, confirming the amount you are eligible to borrow. It strengthens your position when making an offer on a property. We can manage the pre-approval process for you.

A fixed interest rate provides certainty with repayments over a set period, while a floating rate offers more flexibility but can change with market conditions. We can assist you in determining the best option for your needs.

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Refinancing involves transferring your mortgage to a new lender or renegotiating your current loan to achieve better terms. We handle the entire process for you, ensuring a smooth transition.

Generally, lenders prefer a minimum deposit of 20% of the property's value. However, there are low-deposit options available, particularly for eligible first-home buyers.

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​Yes. Many clients use equity from their existing property as a deposit for an investment property or second home. We can advise you on the best way to structure your lending.

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Many lenders allow extra repayments, particularly on floating loans. Some fixed-rate loans also permit limited extra payments without penalties. We can help you select a loan that matches your repayment goals.