FAQ

Find clear answers to common loan queries — from eligibility to repayment — all in one place.

What documents do I need to apply for a loan?

The documents required will depend on your situation, but typically include proof of identity, income verification, bank statements, details of assets and liabilities, and information relating to the property or purpose of the loan.

How much can I borrow?

Your borrowing capacity depends on factors such as your income, expenses, existing debts, deposit, and the lender's criteria. We can assess your situation and provide a clear indication of your borrowing power.

Do I need a deposit to buy a home?

In most cases, lenders require a deposit, however some lending options are available with a lower deposit depending on your circumstances and eligibility.

How long does the loan approval process take?

Timeframes can vary between lenders and individual applications. Generally, approvals can take anywhere from a few days to a few weeks depending on the complexity of the application and the supporting information required.

What is the difference between a fixed and floating interest rate?

A fixed rate provides certainty by keeping your interest rate unchanged for a set period, while a floating rate can move up or down with market conditions and offers greater flexibility. We can help determine which option best suits your goals.

Can you help if I have been declined by a bank?

Yes. Every lending situation is unique. We can review your circumstances, identify potential challenges, and explore alternative lending options that may be available.

Do you only help first-home buyers?

No. We assist a wide range of clients including first-home buyers, property investors, homeowners looking to refinance, self-employed borrowers, and business owners seeking finance solutions.

What does it cost to use a mortgage adviser?

In many cases, there is no direct cost to clients as advisers are typically paid by the lender upon successful settlement. If any fees apply, these will always be discussed with you upfront.

Can you help with business and commercial lending?

Yes. In addition to residential lending, we can assist with business finance, commercial property lending, equipment finance, and other funding solutions to support business growth.

How is my personal information protected?

Protecting your privacy is extremely important. All client information is handled confidentially and managed in accordance with New Zealand privacy and data protection requirements.

Should I review my home loan regularly?

Absolutely. As interest rates, personal circumstances, and financial goals change over time, regular loan reviews can help ensure your lending remains competitive and aligned with your needs.

Why should I use a mortgage adviser instead of going directly to a bank?

A mortgage adviser can compare options across multiple lenders, provide tailored recommendations, manage the application process on your behalf, and help structure lending to suit your short and long-term goals.

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