We know the fine print so you don't have to.
Need someone who really gets the whole financial thing and sticks with you every step of the way? Say hello to Kiwi Mortgages!
Best Rates
We negotiate with banks to get you the best available rates in the market.
Expert Advice
Our advisers will guide you through the Home Loan process, from start to finish.
Availability
Always on-call, here when you need us.
Get your mortgage sorted with Kiwi Mortgages
First home buyers
Buying your first home can be daunting, there's so much to learn in a short space of time, but we are here every step of the way. We can walk you through the entire process; how much you can afford, how much deposit you have available (through savings, KiwiSaver, Gift from family, or borrowing against a parents property) all the way to getting the property approved by the bank and going unconditional. We can help you decide on a structure and review that structure regularly. Whatever you need, we are here to help.
Property investments
Starting a property portfolio is a popular way for Kiwis to set themselves up for retirement. But there are many aspects of investment lending that differ from buying your own home. The rules around borrowing for Residential Investment Property are an ever changing landscape, so our advisers stay up to date with all the latest rules and regulations to make sure you are getting the best advice for structuring your invvestment property lending. We will happily work in with your accountant and lawyer to make sure you have the right structure.
Restructuring mortgages
Its important to reassess your Financial Position and goals regularly. This often calls for a restructure of your current lending. We are committed to you for the life of your loan; our service doesn't stop when you buy a house. Whenever you want to rethink your current loan structure, don't hesitate to reach out for a chat.
Upgrading or downsizing
You might want to move house for a number of reasons; you want a bigger house, a smaller house, a new town, a better shool zone. Whatever the reason, buying and selling at the same time can be a tricky process. Will the dates line up, should you buy first or sell first, can you keep both properties? There are a crazy number of scenarios to take into account, and we have dealt with them all. We can advise on a number of ways to switch your dream home.
Mortgage top-ups
Sometimes you need to borrow more money. To buy a car, to renovate your house, to pay for a wedding or just to consolidate debt. Borrowing against your home could mean you are paying a far lower rate than Finance Companies are offering through personal loans. As long as you have enough equity available in your property, we'll help you to find the cheapest option to borrow some more money.
Refixing
The end of a fixed term is the perfect time to reassess. Do you want to improve cashflow, reduce your term, lock in an affordable long term rate or free up some funds for something else? We’ll weigh up the options and help choose what’s right for you.
Frequently Asked Questions
In most cases, free! If you qualify for a residential home loan with one of the main banks, our Financial Advisers will receive commission from the bank you borrow from. Those commissions vary from lender to lender, so we are fully transparent on what the bank will be paying us, when we confirm your loan structure. But rest assured, the Bank does not pass that cost on to you, in any way.
We do all the legwork for you. We take your informtion and turn it into a consice application for the banks to review. We can approach multiple banks to ensure the best outcome for your application. Once approved we can negotiate the best available rates and Cash Contribution in the market, and advise you loan structure. To put it simply, when you engage a Financial Adviser, you have someone in your corner every step of they way.
You have a chance te review your loan structure everytimeone of your loans fixed rates is expiring. This should be every year or two depending on how long you have fixed the loan. But if you have any changes coming up in your life, its always a good time to contact your adviser and talk throiugh your options.
This is the age-old question that everybody wants to know. There are a number of factors that go into a banks assesment of your borrowing power. Firstly, what can you afford to pay; our Loan Payment Calculator can help with that. Then there is the amount of deposit you have available, and your credit history. The quickest way to get an indication of borrowing power is to pick up the phone and have a chat to one of our advisers.
When you take on the responsiblity of a home loan its important that you protect yourself from unforseen circumstances that may affect your ability to cover the mortgage payments, this could be illness, injury or other events. Its really important to review all of these risks, at the time of applying for the loan. Our Insurance Advisers can walk you through this process to ensure you have the rtight cover in place for your current situation.
Our providers
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