Services

What We Offer

Simplifying Mortgages and Insurance for Your Peace of Mind

Our loan advisers offer flexible, adaptable, and tailored advice to align perfectly with your unique financial needs and goals. We understand that one size does not fit all, and our expert guidance ensures your financial goals are met with precision and confidence.

First Home Buyer

We're committed to turning your dream of homeownership into a reality. We guide first-time buyers through the mortgage process, offering expert advice, tailored solutions, and unwavering support. Let us help you take that exciting first step towards your own home.

Bridge Loans

Bridge the gap to your new property with our seamless Bridge Loans. Our tailored solutions offer quick access to temporary funding, easing the transition between properties. We ensure a smooth borrowing experience, providing the support you need when you need it most.

Investment

Considering an investment property? Our loan advisers specialize in tailoring financing solutions for investment property. We help you navigate mortgage options for your needs and goals. Unlock your investment potential with expert guidance from our team.

Refinance & Debt Consolidation

Refinancing serves various purposes, from debt consolidation to funding life goals like a dream vacation or assisting with a property deposit. We're here to support your needs, and many banks provide cash incentives, potentially covering loan agreement costs and legal fees. Our aim is not just better rates but also putting extra cash in your hands.

Land & Construction Loan

A land and construction loan is a financial tool that combines funds for purchasing land and building a property. Borrowers typically receive the land purchase amount upfront and construction funds in stages. Interest accrues only on the drawn amount. These loans facilitate the development of real estate projects, offering flexibility to borrowers.

Our insurance advisers provide flexible, personalized guidance tailored to your unique financial needs and goals. We know that one size doesn’t fit all, and our expert support ensures your coverage aligns perfectly with your priorities, giving you confidence and peace of mind.

Life Insurance

Life Insurance provides a lump sum payment to your beneficiaries in the event of your death. This financial support helps cover expenses such as debts, living costs, and future plans, ensuring your loved ones are protected and can maintain their lifestyle.

Income Protection

Income Protection Insurance provides a reliable, steady regular income if you’re unable to work due to illness or injury. It helps cover everyday expenses and essential financial commitments, ensuring you can maintain your lifestyle while focusing fully on recovery.

Critical Illness

Critical Illness Insurance provides a lump sum payment if you’re diagnosed with a serious illness such as cancer, stroke, or heart attack. This support helps cover medical bills, treatment costs, and other expenses, allowing you to focus on recovery without financial worries.

Trauma Insurance

Trauma Insurance provides a lump sum payment upon diagnosis of serious illnesses or injuries, helping cover medical expenses, lifestyle adjustments, and recovery costs. It offers financial support during difficult times so you can focus on healing without added financial pressure.

Mortgage Protection

Keep your home secure if illness or injury stops you from working. Our Mortgage Protection Insurance covers your loan repayments, helping you avoid financial stress and focus on what matters most—your recovery and family. Protect your biggest investment with confidence.

TPD Insurance

Total and Permanent Disability (TPD) Insurance pays a lump sum if you become permanently unable to work due to serious injury or illness. This payment can help cover medical bills, living expenses, and lifestyle adjustments needed to maintain your quality of life and financial independence.

How It Works

Let us help you secure your home and protect your future today.

The process of securing a mortgage or insurance typically involves these key steps:

Step 1

Initial Consultation

We start by understanding your financial situation, goals, and needs to tailor the right mortgage and insurance options for you.

Step 2

Personalized Advice

Our experts compare products from multiple lenders and insurers to find flexible solutions that fit your unique circumstances.

Step 3

Application Support

We guide you through the application process for mortgage and insurance, ensuring documentation is accurate and timely submitted.

Step 4

Ongoing Review

After approval, we regularly review your mortgage and insurance plans to make sure they continue to meet your changing needs and life goals.

FAQs

Why use us?

We work for you—not the bank or insurer.

  • Our services are free for most residential loans and insurance policies.
  • Serving clients throughout New Zealand.
  • Access to all major lenders and insurance providers.
  • Fully accredited members of the FMA, committed to professional and ethical advice.

Most of the loans and insurance policies we handle come with no fees. In certain cases, specific fees may apply, and we will always inform you upfront if any charges are involved.

Using a mortgage or insurance adviser offers several advantages compared to going directly to a bank or insurance companies:

  1. Access to Multiple Providers: Advisers work with a range of lenders and insurers, giving you more options to find the best mortgage and insurance products.

  2. Personalized Guidance: Adviser provide tailored advice that fits your unique financial situation and goals.

  3. Time and Effort Savings: Advisers manage the research, paperwork, and negotiations for both mortgage and insurance, reducing your workload and stress.

  4. Impartial Recommendations: They offer unbiased advice, as they aren’t tied to any single bank or insurer.

  5. Expertise: Advisers stay up-to-date with market trends and products, ensuring you make informed, confident decisions.

  6. Convenience: Adviser work around your schedule, making the process smoother and more flexible.

Choosing a mortgage and insurance adviser can lead to a more efficient, cost-effective, and stress-free journey to securing your home and financial protection.

The amount of money you are able to borrow for a home loan will depend on your personal financial circumstances, as well as the loan provider you choose and its lending policies.

You may be able to borrow more or less money depending on the lender’s assessment of your circumstances, which could include your credit score.

This varies depending on your situation and how each lender assesses your borrowing capacity. As a general rule of thumb, it is often worth saving up a deposit of at least 20% of the value of the property you want to buy. Smaller deposits often have to pay for lenders mortgage insurance (LMI), which allows eligible participants to take out a loan with as little as a 5% deposit.

A fixed rate home loan is one in which the interest rate you pay is locked in place or ‘fixed’ for a set period of time.

A variable rate home loan is one in which the interest rate you pay is not set in place, and can fluctuate, depending on the market conditions and the decisions of your lender.

The First Home Grant is a Kainga Ora cash grant designed to help first home buyers. At the direction of the Government, Kainga Ora not accepting any new applications for First Home Grants until further notice. 

You’ll typically need ID, proof of address, and income details. For home loans, you’ll also need bank statements, credit history, property information, and evidence of your deposit. Requirements may vary depending on your situation.