Frequently Asked Questions

Mortgage advisers typically receive commission from the lender, not you. We'll always clarify any potential fees or upfront costs, so there are no surprises.
Once we have all your documents, we’ll work to secure approval as quickly as possible. The time it takes can vary depending on the lender, the complexity of your application, and how quickly information is provided. We’ll keep you updated at every stage so you know exactly where things stand.
Generally, you'll need a valid ID (passport or driver’s licence), proof of income (payslips or financial statements), 3 months of bank statements, details of any existing debts, proof of deposit (including property or KiwiSaver statements), and property documents if you’re buying.
Pre-approval gives you confidence about how much you can borrow before looking for a property. It's usually valid for up to 3 months and can be extended if needed.

- Fixed Rate: The interest stays the same for a set term, which gives you predictable repayments but limited flexibility.
- Floating Rate: The rate can move up or down with the Official Cash Rate, which offers more flexibility but means your repayments can change.
- Split Rate: This option blends a fixed and a floating rate, giving you a mix of stability and flexibility in one loan.
- Refinancing: You switch to a new loan, often with a different lender, to get better terms or access equity.
- Restructuring: You stay with your current lender but change the loan structure, like adjusting repayments or terms, to better suit your current needs.
Yes. You can typically switch between fixed, floating, or a split structure. Just be aware that some lenders may charge fees or break penalties.

Absolutely. You’ll need accountant-prepared financial statements and tax returns (ideally for the past 2 years). If you've been self-employed for less than 2 years, there are alternative documentation options.
We can help find non-standard loan options or restructure your existing loan so that you still qualify under different lending criteria.
We'll help explore solutions, such as increasing your deposit or choosing lending options that better fit the value assessment.
Yes. We assist both New Zealanders living abroad and non-residents investing here. Your situation simply needs a tailored solution.

We have access to a wide panel of lenders, so you get the best available options tailored to your situation.
Often, we can access better rates through established relationships. We'll always compare and present you with the best available options.

A loan check-up every year, especially when rates change, helps you stay confident that your mortgage remains the right fit.
Yes, options like lump-sum payments, offset accounts, or reducing your term can make a big difference. We can walk you through what works best for you.
Definitely. Bridging loans can help you buy now and sell later, bridging that gap with flexibility and confidence.
Absolutely, we maintain a trusted network of professionals and can make recommendations when you need them.