Questions

Your repayments will increase if you're on a floating rate. If you’re on a fixed rate, your repayments stay the same until the fixed term ends. We can help you review your structure to manage risk.

Beyond your deposit, typical costs include:

• Legal/solicitor fees

• Builder’s report 

• LIM report

• Property aluation fees

• Moving and insurance costs
  We’ll walk you through all of this to avoid surprises.

You might consider refinancing to:

• Get a lower interest rate

• Access equity

• Consolidate debt

• Change loan structure

• Cashback
  We offer free refinancing reviews to help you make the right call.

Yes! Consider increasing your repayments, switching to fortnightly payments (or weekly repayments if applicable), or making lump sum contributions. We can help structure your loan to support this goal.

Investment property lending usually requires a larger deposit (30% as of today), and your personal income and rental income will both be assessed. We're experienced in helping clients build property portfolios.

KiwiSaver withdrawal, genuine savings, sale of assets (e.g. car or shares), family gifting, inheritance.