Most lenders require at least a 20% deposit, but some accept as low as 5% under certain conditions. We'll help you understand what's realistic for your situation.
Can I use KiwiSaver for my first home?
Yes. You may be able to withdraw your KiwiSaver savings and access the First Home Grant. Each has rules — we can talk you through them.
How much can I borrow?
Lenders look at your income, expenses, deposit, and existing debts. The final answer depends on their affordability criteria. We can give you an estimate during a free chat.
What is LVR?
LVR (Loan-to-Value Ratio) is the size of your loan compared to the value of the property. A lower LVR usually means better rates.
For Refinancing
Is it worth refinancing?
It depends on your current rate, break costs, and what's available. We'll run the numbers and give you an honest answer.
What costs are involved in switching lenders?
There may be break fees, legal costs, and lender application fees. We'll help you understand the full picture before making a decision.
For Investors
What deposit do I need for an investment property?
Typically 30–40% for rental properties, though some lenders may accept less depending on the numbers.
How does rental income affect my borrowing?
Many lenders count a portion of rental income toward your overall borrowing capacity. The percentage varies by lender and property type.
General
What's the difference between a fixed and floating rate?
A fixed rate stays the same for a set period (e.g. 1 or 2 years). A floating rate can change at any time. Each has its advantages — we can help you choose.
Why use a mortgage adviser instead of going to a bank?
We compare multiple lenders, not just one. We handle the paperwork. And our advice is tailored to your situation — not a product target.
Didn't find your question?
Talk to us — we're happy to answer anything specific to your situation.
