In the vast majority of cases, for standard residential loans, our service is paid for by the lender after settlement. If a specialist non‑bank lender charges a broker fee we’ll quote it upfront — no surprises.

The amount you can borrow varies depending on the type of property, your servicing ability, and the amount of equity you have. For most residential properties, banks will lend up to 80% of the value of the property. This can vary depending on the property type, and in some cases they will go as high as 90%.

When looking at servicing (your ability to make repayments), banks will look at your income and expenditure and how much capacity you have to make repayments on the loan. They will normally built in an interest rate "buffer" - a higher test interest rate (usually 1-2% higher than the current floating rate) to make sure that you can still make payments if interest rates increase.

Banks will also want to make sure you have sufficient income left over after paying your mortgage and expenses for any unexpected changes that the test rates don't cover.

Most banks want 20 %, but we routinely place strong cases with 10 % deposits, even 5 % for Kāinga Ora First‑Home Loan qualifiers.

Absolutely. We can tailor lending to suit a wide range of investors, from first-time rental property owners all the way to large scale build-to-rent developers - and we can provide more in depth support on assessing investment properties and looking at where real estate fits into your portfolio as well.

It can be more work - but we're highly experience in working with self-employed and business owners on their financial plans, including borrowing and owning property, and we can help navigate through your finances and position in order to present as strong a lending application as possible. In addition to the main banks, we also hold relationship with a wide range of second tier and non-bank lenders who specialise in lending to people with business income.