A clear path to your front door.

Personalised mortgage advice for New Zealanders. We navigate the banks so you can focus on finding the right place to call home.

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How we help you get ahead

Whether you are stepping into your first home, next home or expanding your property portfolio, our process is designed to be calm and capable.

1

First Home Buyers

Navigating KiwiSaver withdrawals, the Kainga Ora First Home Loan, and low deposit options to get you on the ladder sooner.

  • + First Home Buyer Specialist Advice
  • + Pre-approval Strategy
2

Refixing & Top-ups

Do not just roll over with your current bank. We negotiate the best rates and cash incentives every time you refix.

  • + Cash back incentives
  • + Debt Consolidation
3

Property Investment

Structuring your loans to maximise tax efficiency and cash flow for long term wealth creation across NZ.

  • + Equity Release
  • + Lending structure audits

Stepping into your first home

First time around the table is where the questions pile up. We settle the deposit, the paperwork, and the schemes you actually qualify for before you fall for a place.

Get deposit ready
01

Deposit and KiwiSaver

We confirm exactly what you can withdraw and when, so your deposit number is solid before you go shopping for a home.

02

Kainga Ora First Home Loan

The scheme behind most 5 percent deposits in New Zealand. We work through the income caps, ownership history and residency rules with you, then confirm which lenders are taking applications before you fall for a place.

03

Pre-approval before you bid

A clear borrowing figure you can carry into an auction or negotiation, with the conditions already untangled.

04

Low deposit lending

We know which lenders are still active below 20 percent and what each one wants to see in your application.

Moving to your next home

Up-sizing, down-sizing, or relocating. Selling and buying at the same time is where most people need a plan, so we map the timing first and the lending second.

Plan your move
01

Sell first or buy first

We work out which order suits your finances and the local market, then build the loan around that sequence.

02

Bridging and settlement gaps

Short term structures that keep you covered while the two settlements line up, without a rush of paperwork at the end.

03

Portability

In many cases your existing rate and terms can move across with you, so you keep the deal you already negotiated.

04

Equity and the new deposit

We confirm how much of your current equity is genuinely available to you before you go shopping at auction.

Growing your portfolio

Every extra property changes the maths. We look at how lenders treat investor debt, what your cash flow can genuinely carry, and where your equity is sitting before you commit to another property.

Talk through your numbers
01

Investor borrowing capacity

Lenders assess rental income differently to your own pay. We work out the figure you genuinely qualify for before you buy another property.

02

Equity as your next deposit

Using the equity you already have as the deposit for the next purchase, and how to structure it so nothing ties your hands later.

03

Rates, terms, and lender appetite

Investor lending criteria move often. We keep track of which banks are still keen and what each one will and will not count.

04

Optimise your lending structure

Interest only or principal and interest, fixed for how long, where to spread your lending risk and across which lenders are all key to a successful property portfolio.

Kyle Reardon, Mortgage Adviser

Kyle Reardon, Mortgage Adviser

"Kyle was absolutely brilliant throughout the entire mortgage process. He took the time to really listen to our goals and provided expert advice on how to restructure our mortgage in a way that truly benefits us. Everything was tailored specifically to our needs, and he even went above and beyond by offering additional insights to help us make the most of our financial situation. Highly recommend Kyle to anyone looking for a knowledgeable, trustworthy, and proactive mortgage broker."
Sherin, AucklandSee more Google reviews

Common Questions

Does your service cost me anything?+
In most cases, no. We are paid a commission by the lender you choose, so the advice and the running of your application cost you nothing. A disclosure statement is available on request and free of charge.
How much deposit do I need?+
Most banks are happiest at 20 percent or more. Below that the list of willing lenders gets shorter and the pricing changes, so we work out early which ones are still active there. A KiwiSaver first home withdrawal can often go towards the deposit, and lenders also apply debt to income limits, so your borrowing figure is usually set by your obligations rather than your savings alone.
What does pre-approval actually give me?+
A written figure from a lender showing what you can borrow, usually valid for 60 to 90 days. It is not a promise of the loan: the property still has to be valued, and your income, credit history and other commitments are checked again before the money is committed. Having a pre-approval in hand changes how you bid and how vendors treat your offer.
Can I refinance or change lenders?+
Yes, and most people review their loan as a fixed period comes to an end. We compare staying put against the alternatives, including break or early repayment fees, valuation costs and any new lender's criteria, so you only move when the numbers genuinely say to.
I am a first home buyer, what help is out there?+
The main one is the Kainga Ora First Home Loan. It is underwritten by Kainga Ora and issued through selected banks and lenders, which lets eligible buyers borrow with a 5 percent deposit. Income caps, ownership history and residency rules all apply, so we check where you sit before you spend time on listings you cannot buy.

Ready to start your journey?

Book a no obligation consultation today and get a clear picture of your options.

Book a chat with Kyle

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