Mortgage Advice
We help you get a New Zealand mortgage and then we help you get rid of it
Your home is one of the biggest investments you’ll ever make – and the right mortgage can save you thousands
A smart mortgage is not just about lower interest rates – it’s about finding the right structure for your situation, so you can have a mortgage that is low cost, flexible and provides protection from interest rate rises.
Whether you want a great deal on a new mortgage, or to refinance your existing loan and shave years off your debt, we can help. As a mortgage broker team, we’ll guide you through the New Zealand mortgage and house buying process, and negotiate with lenders to get the best loan for you.
Contact us on 0508 946 3767 (0508 WINDSOR) for hassle-free mortgage advice that could save you thousands.
“Thanks to a heads-ups from Brett re mortgage wars, we were able to save $30k and take 3 years off our loan term with a quick phone call to the bank. I have found Brett to be extremely helpful and pro-active. Thanks Brett!”
- Andrew Janey
Mortgage FAQs
I want to buy a home in New Zealand. Where do I start?
Start talking to us to learn about what you can borrow, when you can borrow it, and what actions you should take now to make your application look better to the lenders later.
Can a non-resident get a mortgage in New Zealand?
Yes, it is possible. You can apply for an Overseas Investment Office exemption at a cost of approximately $2,000. We can guide you through this.
How much can I afford to spend on a home?
It’s hard to say but if you talk to us about your situation we can advise you in minutes on what you can afford to borrow.
Do I pay tax in New Zealand on the sale of my UK property?
No this is not considered an income to be taxed in New Zealand, but you may have to pay capital gains tax in the UK.
Does my UK rental income count when getting a mortgage in NZ?
Yes it does with most banks but it will be scaled down in the calculation and UK expenses would be calculated also.
Do I need to pay any fees when buying a property in NZ?
There is no stamp duty, but you will likely have solicitors’ costs of approx $1,200 plus GST (15%). However, the banks will pay you a cash contribution that recently has been around 0.6%-0.7% of the loan amount.
How do mortgage brokers get paid and do they charge me fees for their service?
Mortgage brokers earn commission from the banks so there is no fee to clients.
Should I just go into see the bank myself?
Mortgage brokers are likely to get you a better deal, and will understand the banks that have the best credit policy for your situation. That’s important because every application or credit inquiry hurts your credit rating, so we need to pick out the best two banks and apply to them. Good mortgage brokers will also advise you on how to reduce your mortgage and reduce the profit for the banks which will be your gain.
Should I have a credit card to prove my credit worthiness?
No, this is a myth and the truth is the credit card will count as a negative in your mortgage application.
Contact us on 0508 946 3767 (0508 WINDSOR) to book a complimentary consultation and get your pension transfer questions answered.
“Brett has been an absolute hero for us. He managed to help us get a mortgage (on a very tight deadline) and subsequently he has helped us with other insurances. He is always good in understanding our specific needs and provides very helpful advice. He will be someone we continue to use!”
- Jana Hart