#getonthepropertyladder

Whether you are just researching your options, or ready to get on

the property ladder, we can help you with a personalised approach.

Hassle Free Home Loans

We are with you in this journey to your new home.

Let’s face it. Securing that home loan is a complicated process. We make this our problem, not yours. Here’s how we help you through this complicated process.



  • Tell us about your situation
  • Find out how much you can afford
  • Make the application to the banks
  • Close with confidence

We are all about making your first home purchase easy and stress free.

First Home buyers

Before embarking on the journey of becoming a first-time home buyer, equip yourself with our expert tips.


The Debt-to-Income Ratio in Today's Dynamic Landscape.

Navigating Financial Waters: The Debt-to-Income Ratio in Today's Dynamic Landscape.

12 Feb, 2024
In an era marked by economic uncertainties and evolving financial landscapes, the Debt-to-Income Ratio (DTI) emerges as a critical navigational tool for individuals charting their financial course.
Understanding the Official Cash Rate (OCR) and its impact

Understanding the Official Cash Rate (OCR) and its impact on the economy.

23 Nov, 2023
The OCR refers to the interest rate set by a country's central bank, such as the Reserve Bank of New Zealand or the Federal Reserve in the United States. It represents the rate at which these central banks lend or borrow money to or from commercial banks overnight.
Get ready. Fixed mortgage rates are climbing once more!

Get ready. Fixed mortgage rates are climbing once more!

23 Nov, 2023
Kiwibank has raised its home loan rates again this month, joining other major banks in doing so. They've increased rates on various fixed-term mortgages, meaning it'll cost more for people to borrow money for a home. For example, if you want to lock in a rate for 1 or 2 years, you'll now pay more interest than before. This isn't just happening at Kiwibank – other banks like BNZ and ANZ have also been increasing their rates over the past couple of months.
How to save for a down payment: Tips for the First Home Buyer

Why Saving Up for a Down Payment is Key for First-Time Home Buyers – and How to Do It

01 Oct, 2023
In this article, we will explore why saving up for a down payment is so important for first-time home buyers and provide practical tips on how to do it. We will discuss the benefits of a larger down payment, the various strategies you can use to save, and the potential challenges you might face along the way.
Navigating New Zealand Mortgages: Things to keep in mind

Navigating New Zealand Mortgages: Things to keep in mind

17 Sep, 2023
If you're considering the leap into New Zealand's property market, you're probably wondering about the ins and outs of securing a mortgage in this stunning part of the world. In this article, we'll provide you with a thorough understanding of how mortgages work in New Zealand, who's eligible for various types of loans, and the lowdown on interest rates and deposit requirements.
Practical Tips for Dealing with Increasing Mortgage Rates

Stay Ahead of the Game: Practical Tips for Dealing with Increasing Mortgage Rates

05 Sep, 2023
As mortgage rates continue to rise, it's crucial to stay ahead of the game and find practical ways to navigate these uncertain times. By understanding mortgage rates, the factors that affect them, and the potential impact on homeowners, you can better prepare yourself for increasing rates.

We are here for you!

At Kripa Financial Solutions, our mission is to help Kiwis achieve their dreams of homeownership. Our team of seasoned mortgage experts will work tirelessly on your behalf to secure the optimal financing solution.


We take pride in being your trusted guides throughout the mortgage process. We will explain every step and detail to you in simple terms, ensuring you feel empowered when making this important investment. With decades of combined experience in the New Zealand mortgage market, we have established relationships with over lenders across the market.


This allows us to access loan options you may not find on your own, and negotiate the most competitive terms, rates and fees tailored to your budget and goals. We are your tireless advocates, leveraging our expertise to hunt for your perfect mortgage deal.

If you're ready to embark on your first home buying journey, we would be thrilled to be by your side.

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