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Empowering Dreams, One Mortgage at a Time.
Turning Home Ownership Dreams Into Reality
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Why Loans & Mortgages?
Finding the right mortgage is about more than just rates – it’s about creating opportunities for your future. Our passion lies in helping people achieve their homeownership goals.
Expertise you can trust.
Tailored Loan Structures.
Reliable & Transparent.
No cost, No-obligation consultation.
Convenience & Flexible options.
Services
First Home Buyers
Thinking about buying your first home but unsure where to start? At Loans & Mortgages, we simplify the process, guiding you every step of the way.
Investment Property
Considering an investment property but unsure where to start? At Loans & Mortgages, Process: Leverage existing equity for your next property.
Refinance & Restructure
Looking to re-fix, refinance, or restructure your mortgage? We make it easy to get the most out
of your home loan: of your home loan:
Building & Renovating home
Planning to build, extend, or renovate your property? At Loans & Mortgages, we help you find
the right loan to bring your vision to life:
Equity Release or Sell & Buy
Thinking about releasing equity or buying your next home? At Loans & Mortgages, we help you maximize your property’s full potential.
What Should You Ask a Mortgage Adviser?
When working with a licensed mortgage adviser, it’s important to ensure they fully understand your homeownership goals and financial situation. Asking the right questions helps you make informed decisions while ensuring transparency throughout the process.
How many lenders do you work with?
This helps you understand the range of loan options available to you.
How are you paid?
Advisers in NZ typically receive commissions from lenders, but some situations may involve a fee. A good adviser will disclose this upfront.
What additional costs should I be aware of?
Beyond your deposit, there may be legal fees, valuation costs, or lender-specific charges.
What loan structure is best for me?
Ask about fixed vs. floating rates, loan terms, and repayment flexibility based on your financial goals.
What happens if my circumstances change?
Ensure you understand options like refinancing, early repayments, or financial hardship support.