frequently asked questions

It depends on a few things, your income, existing debts, the size of your deposit, and current lending rules from the banks. Rather than guess, the easiest way to get a real number is a quick chat with one of our mortgage advisers. We'll look at your actual situation and give you a realistic figure, not just a rough online estimate.

Not always. A 20% deposit is the standard many banks ask for, but first home buyers sometimes qualify for low deposit home loans or government backed schemes that lower that bar considerably. Every lender treats this a little differently, which is exactly the kind of detail a good mortgage broker in Auckland can walk you through.

A bank can only offer you their products. As a mortgage broker, we compare across more than 30 lenders and bring back the options that suit you, often with better rates or terms than one bank alone could offer. And it costs you nothing upfront to find out what's available.

Sometimes, yes, and often people don't realise how much. A refinance home loan can lower your repayments, free up equity, or simply get you onto a rate that fits your life better than the one you signed up for years ago. We review your current loan against what's actually available now, so you know where you stand before deciding. 

Yes. Whether you're buying your first investment property or adding to a growing portfolio, we structure lending around your long term goals, not just the next purchase. It's one of the areas where having 30+ lender relationships makes the biggest difference, more options usually means a stronger deal.