Getting approved is step one. But without a clear strategy, most New Zealanders spend 25 years paying far more than they need to. We help you structure it right from day one — and pay it down with purpose.
Getting in is one thing. Getting out debt-free — faster than the bank expects — is another. We plan both.
Before you borrow, we make sure you're borrowing the right amount, on the right terms, with the right structure. Most people just take what the bank offers. We negotiate better.
Most people make the minimum repayment and hope for the best. We build a clear paydown plan — showing exactly how extra contributions compound, when you'll own your home outright, and how to stay on track.
Run your own numbers. See what your mortgage actually costs you, and how much you save by paying more than the minimum.
Based on principal & interest repayments
The rate is only part of it. How your mortgage is structured affects your flexibility, risk, and total cost as much as the rate itself.
Your interest rate is locked for a set period — usually 6 months to 5 years. Repayments are predictable and you're protected from rate rises.
Part of your mortgage is fixed, part is floating. You get the security of a fixed rate on the bulk, with flexibility on the floating portion for extra repayments.
Your rate moves with the market. If rates fall, so do your repayments. You can make extra repayments or pay off the loan anytime without penalty.
Not a generic approval. A personalised mortgage plan that gives you clarity on what you owe, what it costs, and how to get out of debt years faster.
Not the maximum the bank will lend, but the right amount for your life. We factor in your income, goals, lifestyle, and buffer for rate changes.
Fixed vs floating, split ratios, term length — structured around your cash flow, flexibility needs, and paydown goals. Not a default bank template.
We show you exactly when you'll own your home outright, and what you can do to pull that date forward. Real numbers, not just motivation.
We review your mortgage at every rollover, check in when life changes, and make sure your plan stays on track as rates and circumstances shift.
We model the impact of paying $50, $100, or $200 extra per week and give you a concrete savings figure — so you can make an informed choice.
If you can't work, your mortgage doesn't stop. We make sure you have the right income protection and life cover in place so your home is never at risk.
Where are you in the process — pre-approval, just purchased, or existing homeowner? We tailor the approach based on where you are, not a script.
Free to startIncome, expenses, debts, assets, goals, and risk tolerance. We look at the full picture — not just what a lending scorecard sees — before making any recommendation.
One session — 45 minsA written plan that covers your structure, term, recommended repayment level, paydown strategy, protection needs, and review schedule. Yours to keep.
Delivered within 48hrsWe handle the lender application and settlement. Then we stay in touch — reviewing at every fixed-term rollover and checking in when life changes.
Ongoing relationshipYour borrowing capacity is based on your income, existing debts, living expenses, and the size of your deposit. NZ banks apply a debt-to-income (DTI) ratio — typically lending up to 6x your gross income, though this varies. A mortgage adviser can give you an accurate figure quickly, and — more importantly — help you determine how much you should borrow, not just how much you can.
For most owner-occupiers, the minimum deposit is 20% (an 80% LVR). First home buyers can sometimes access lending at 10% deposit under the First Home Loan scheme. Investment properties generally require at least 35%. A larger deposit gives you access to better rates and avoids low-equity premiums that some lenders charge below 20%.
It depends on your situation and the rate environment. Fixed rates give you certainty — you know exactly what you'll pay for 1–5 years. Floating rates move with the OCR and give you flexibility to make extra repayments without penalty. Most advisers currently recommend a split structure: fix the majority for certainty, keep a portion floating to chip away faster. We model both options for your specific numbers before making a recommendation.
Our advice is free for most clients. We're paid a commission by the lender when your mortgage settles, so you don't pay us directly. This is standard practice for NZ mortgage advisers. There are no hidden fees — and because we're paid regardless of which lender you use, we're genuinely motivated to find the best fit, not the highest commission.
The most effective strategies are: (1) Pay more than the minimum — even an extra $100–$200 per week can save years and tens of thousands in interest. (2) Make lump sum payments when you have them — bonuses, tax refunds, inheritance. (3) Keep your repayments the same when rates drop — the extra goes straight to principal. (4) Review your rate at every rollover and don't accept the bank's first offer. We model all of these for you and show you the exact numbers.
An interest-only mortgage means your repayments only cover interest — you don't pay down the principal. This lowers your monthly payments but means your loan balance doesn't reduce. It makes sense in specific situations: investment properties where you're optimising for cash flow, or short-term bridging scenarios. For owner-occupiers, we generally recommend principal & interest from day one so you're actually building equity.
When your fixed term ends, your mortgage rolls onto a floating rate — which is usually higher. Your bank will send you a rollover offer, but it's rarely their best rate. This is your opportunity to negotiate or switch lenders. We review every rollover for our clients and ensure you're always on the most competitive terms available. If you're approaching a rollover, get in touch before your bank does.
Yes, but the process is different. Most lenders require 2 years of self-employment history and use your net income (after expenses) rather than gross. Some lenders are more flexible than others for self-employed borrowers, and non-bank lenders can be a strong option in some cases. The key is presenting your financials correctly — which is where an experienced adviser makes a real difference.
Whether you're buying soon, just purchased, or already paying one down — we'll help you get structured, save interest, and reach debt-free faster.