Your business & property experts
Whether you are trying to grow your business, get into property development or simply need home loan advice as a business owner, we can help every step of the way.
Best Rates
We find the lender that suits you the most, with the best rates available
Expert Advice
Our advisers will guide you through the lending process, from start to finish.
Right Team
In business or development, having the right team is crucial to success, we are business and property specialists.
Get lending sorted with Kiwi Mortgages
Commercial property
As specialists in commercial finance, we can help you purchase a commercial property, restructure an existing debt to more favorable terms, or borrow against a commercial property to grow your buisness, we have doen it all, and can help you thorughout the process.
Property development
Whether you are simply subdividing your existing property, undertaking a large-scale subdivision, or building an apartment block in the CBD we can help.
We have relationships with all the main banks plus many financiers around the country who specialise in development funding. As well as obtaining finance for your project we can help you navigate the entire development process, using our contacts and experience to assist you throughout.
Asset finance
Whether purchasing a new vehicle, upgrading machinery or looking to save money by consolidating debt, we can help. If you have an asset to lend against, we should be able to organise a competitive finance package for you.
Self-employed income
We have been helping busienss owners secure funding for home loans, business acquisitions, property transactions and any other number of rerasons for decades. Many of our Advisers have backgrounds in accounting, business banking or have run succesful businesses ourselves. We fully understand all the ins and outs of lending to business owners, whatever you issue, we can help.
Non-Bank finance
If you have impaired credit, are unable to prove your income, or are looking for a bridging loan you may require a loan from a Non-Bank Lender. These loans are usually for 6-12 months until you can sort out any issues that are preventing you from obtaining finance from a bank.
Non-Bank lenders charge higher interest than mainstream banks but can often be useful as a short-term solution. Not all Non-bank lenders are created equal and interest rates can range from under 6% to over 15%. We can make sure you find the cheapest lender possible for your situation.
Cashflow finance
Cashflow funding comes in many different forms; A flexible Facility/Business Overdraft form your main bank. Invoice loans, or invoice factoring from private lenders, or a number of other busienss facilities. Depending on your Financial Situation, we can help you find the perfect solution to help your business grow.
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 to review your loan structure everytime one 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 through 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.