MORTGAGES

How to find the right mortgage for your Auckland property

First Home Buyer Mortgage
Loans to Build
Property Investment
Below is some basic information about the most common types of mortgages on the market. At Home Loan Advocate NZ we can help clients with other financial circumstances including those looking for:
  • Bridging finance
  • Interest only loans
  • Low deposit loans
  • Bad credit home loans
Contact us to find out what the best type of Auckland home loan will work for you! We service the entire Auckland area including: 
  • North Shore
  • Ellerslie
  • Remuera
  • Manukau
First Home Buyer Mortgage
Buying your first home can be a complex and stressful experience. My role is to help you find your way through the mortgage maze:
– Tell you what assistance is available to you as a first home buyer
– Determine the size and the source of the deposit you need
– Discuss how *Kiwisaver can be capitalised for your first home deposit
– Discuss other options, e.g gifted deposits for family members; equity in family property as security

The average deposit right now is 20%. The greater the deposit the more borrowing options you will have and the more competitive interest rates become. However mortgages are available with deposit is as little as 5%.
*Kiwisaver is a voluntary work-based saving scheme that you could use for your home deposit. As well, after three years of saving with Kiwisaver you are entitled to a first home deposit subsidy - maximum $5000. Ask us how.
Re-financing or Renovating your Home
Looking for a better rate - or thinking of consolidating all your debts or credit cards? Why not - if you have reasonable equity in your property e.g. at least 20%, then investigating a better deal than that offered by your current provider is always worthwhile. Whatever your situation we can offer you the best mortgage advice tailored to your needs.
Loans to Build
Building a home can be a stressful experience. Let me remove some of that stress by arranging a suitable package by which you only pay interest on the money drawn down - you don’t start paying the full loan until the project is finished.
Turn Key Finances: Home and Land Package
Turn key is a financial package that affords you the ability to have no payment on your home loan while your home is under construction. Banks offer a 95% mortgage on turn key build contracts.
Self-Employed or Low Doc Loans
Not everyone in self employment is able to disclose income or provide the financial records normally required by banks. We can guide you through the declarations and securities required to satisfy non-bank lenders who are willing to back the right person.
Over 80% Lending
First home buyers find it hard to get mortgage approval with less than 20% deposit. We are able to help with low deposit mortgages. Deposits can be savings, Kiwisaver, gift or turn key finance.
Re-finance
How to consolidate debt - either short term with high repayments or by low repayment over a longer term.
Re-financing for a better home loan deal than you have currently.
Property Investment
As NZ ponders how to look after an ageing population, residential property investment is one way of looking to secure your financial future. We can assist you in unlocking the secrets to an investment property’s income earning potential, and how to use your equity to increase your portfolio.

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Let Home Loan Advocate NZ demystify the home loan process for you!

Contact Us


Looking for a better home loan rate - or thinking of consolidating all your debts or credit cards? Call 09 522 7091

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