Getting You Into Your First Home
Not sure how much you can borrow or how much deposit you need to buy a house? We'll calculate what you can afford and show you what's possible.
We'll help you access your KiwiSaver government contribution and apply for the HomeStart Grant. Combined with low-deposit loan options, these can significantly reduce the cash you need upfront.
From there, we'll secure pre-approval with lenders who support first-home buyers, compare the best home loan rates, and structure your mortgage for long-term success. Our job is to get you approved and into your first home with confidence.
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Building Your Property Portfolio
Ready to start or grow your property investment portfolio? The right lending structure sets you up to keep growing.
We understand property investment. We'll help you maximise your borrowing capacity by structuring loans that work with your income and existing assets. Whether you're buying your first rental or scaling to multiple properties, we know how to position your application and which lenders have the best appetite for investors.
We'll also help you access equity from existing properties to fund your next purchase, compare investor rates across the market, and structure your lending for long-term portfolio growth.
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Getting a Better Deal on Your Mortgage
Refinancing your home loan to secure the best mortgage rates could save you hundreds of dollars per month, or thousands over the life of your loan. We'll review your current situation, compare house mortgage rates across the entire market, and show you what you'd save by switching.
If you want lower repayments, access to equity for renovations or investments, or to consolidate other debts into your mortgage, we'll find the right structure. We handle all the applications, paperwork, and lender negotiations. Refinancing takes us a few hours of work, but it could save you years of unnecessary payments.
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Funding to Grow Your Business
If you need working capital to hire staff, purchase inventory, or take on a new contract, we'll find business lending that moves at the speed of opportunity.
We work with lenders who understand small and medium-sized businesses. From traditional banks to specialist business finance providers, we'll find options that align with your cash flow and revenue, even if you're self-employed or your business is still building its track record.
We can help you find the flexible structures and funding that fit your growth plans, so you can say yes to opportunities instead of waiting on the bank.
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Finance for Commercial Property
Commercial property lending works differently from residential. It requires higher deposits, has stricter serviceability requirements, and there are fewer lenders in the market. That's where we come in.
If you're buying premises for your business, investing in commercial real estate, or refinancing your existing property, we know which lenders are actively lending on commercial assets and what they're looking for. We'll negotiate competitive rates and terms that work for your business's cash flow, and structure your lending to support your goals.
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Get The Equipment You Need Without The Upfront Cost
Need a work vehicle, machinery, or equipment, but don't want to drain your cash reserves? Asset finance lets you spread the cost over time while you're using the asset to generate income.
If it's a single ute for your tradie business, a truck for deliveries, a fleet of vehicles, or machinery and equipment, we'll find flexible financing that fits your budget. You get the assets you need now, preserve your working capital for operating expenses, and structure repayments around your cash flow.
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Finance for Building or Renovating
We'll help you secure construction finance before you break ground, structure your loan to cover land, build costs, and contingencies, and ensure you have funding in place for each stage of construction. We work with lenders experienced in construction projects and know how to present your application for approval.
Whether you're building your family home, renovating an existing property, or constructing an investment, we'll make sure your finance keeps pace with your build.
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