We offer appointments in a way that suits your lifestyle – Teams, Zoom, phone, or face-to-face. You choose what’s most convenient.
We work on your behalf, we compare lenders and their policies, structure your loan, negotiate terms, and manage the application through to settlement and beyond. Our job is to make the process easier, clearer, and less stressful for you.
In most cases, no. We’re paid by the lender once your loan settles. If a fee ever applies, we’ll be upfront with you before any work begins.
Most home loans require a 20% deposit, but depending on your situation and the lender, it may be possible with 10% – sometimes even 5%.
To get started, you’ll usually need:
We’ll guide you through exactly what’s needed.
No. It’s better for us to see your statements as they are so we can give realistic, practical advice.
Not always. Lenders mainly want to see that your debts are well-managed. We’ll help you decide what’s beneficial to pay down – and what isn’t.
A single application won’t have a major impact. Multiple applications can, so we manage the process to avoid unnecessary enquiries.
Your borrowing power is based on income, expenses, deposit, and current bank criteria. We’ll assess your full financial picture and give you a clear estimate.
Yes – DTIs measure how much debt you have compared to your income. They help lenders assess affordability. We’ll explain how it applies to your situation.
LVR is the percentage of the property’s value that you’re borrowing. For example, a $400,000 loan on a $500,000 property equals an 80% LVR.
Rent shows you can handle regular payments, but homeownership comes with extra costs like rates, insurance, and maintenance. We’ll help you assess true affordability.
Once all documents are provided, lenders generally take 5–10 working days. More complex applications may take longer.
Yes – it may take extra planning, but it’s possible. We work with lenders who specialise in helping clients with imperfect credit histories.
You still have options. Lenders assess self-employed income differently, but we’ll help present your financials strongly and match you with suitable lenders.
In many cases, yes. You may also qualify for Kāinga Ora lending. We’ll check what you’re eligible for.
It depends on your goals. Fixed gives stability; floating gives flexibility. We’ll help you choose a structure that suits your plans.
Yes. Build loans work differently – funds are released in stages, and deposit requirements differ. We’ll guide you through each step.
Investment lending has different criteria, including higher deposit requirements. We’ll help you structure this correctly from the beginning.
Refinancing means restructuring or moving your loan to get a better rate, release equity, or adjust the loan to suit new goals. We’ll help you weigh costs and benefits.
We work with a wide panel of lenders – not just one bank – giving you more options, more flexibility, and a better chance of approval. We also manage the process for you.
We help you all the way through to settlement and stay involved afterwards. We’ll review your loan over time and help when your rates are due to expire.
Yes – we review your structure, and help you choose the best option for the next stage.
No – we’re completely transparent. If your lender requires a valuation, legal fees, or any additional costs, we’ll outline them early.
Along with your deposit, plan for legal fees, building inspections, insurance, rates, moving costs, and maintenance. We’ll help you estimate these accurately.
Insurance provides financial protection for what matters most – whether it’s supporting your family, covering income loss, or accessing timely healthcare. It’s all about safeguarding your lifestyle and your future.
Everyone’s needs are different. We look at your lifestyle, income, family, and goals to recommend the right mix of cover – without over-insuring you or adding anything unnecessary.
There’s no one-size-fits-all. We tailor your insurance to fit your life and your budget, and we review it regularly so it stays relevant as things change.
We advise on:
Yes – and it often makes sense to. We’ll help you coordinate your policies so each type of cover works together without overlaps or gaps.
Every policy has terms, waiting periods, and sometimes exclusions. We’ll walk you through all of these in plain English so there are no surprises.
Most policies include some form of limitation or waiting time. We’ll highlight these clearly from the start so you know exactly what to expect.
Premiums depend on your age, health, lifestyle, job, and how much cover you choose. We compare options across multiple insurers to find the best fit for your budget.
Some do, some don’t. We’ll explain the difference between level premiums and stepped premiums so you can choose what works best long-term.
Yes – our advice is free for both new and existing clients. We’re paid by the insurer when a policy goes ahead, and we disclose everything clearly.
Often, yes. Some conditions may have exclusions or increases in premium, but many people are still able to get cover. We’ll navigate this with you.
Sometimes. Depending on your age, cover amount, and medical history, an insurer may request blood tests or a nurse check.
Absolutely. Life changes – your insurance should too. We review your cover regularly to ensure it still meets your needs.
At least once a year, or when big life events happen – new job, new home, new baby, separation, business changes, or health changes.
Yes. If needed, we make sure your policies work together seamlessly and efficiently.
Let us know as soon as possible. Policies can lapse if premiums go unpaid, but we can often work with the insurer to keep things on track.
Just call or email us. We will assist and the insurer, help you understand the requirements, and make sure the process runs smoothly.
It depends on the complexity of the claim, but we stay in contact with the insurer and update you at every step.
Usually, yes. Business owners may need additional cover such as key person insurance, business overheads cover, or shareholder protection. We’ll help you identify what applies.
Definitely. Business insurance can keep the business running, protect cashflow, and provide funds to buy out shareholders if needed.
We’re independent, we compare multiple insurers, and we focus on long-term protection – not quick sales. Our goal is to make sure you feel confident, protected, and fully supported.
Book your free consultation today and discover your options.
