Mortgage FAQs

Frequently asked questions about our mortgage products

How are you paid?

We are paid a commission by the lenders for arranging your loan application. This means that our service does not have to cost you anything. Although we are paid by the lender, we are not agents of any particular lender. The advice we give is always impartial and tailored to your needs.

Can you help with a construction loan?

Yes, we welcome any mortgage application for a building project and are happy to assist you through the process.

Can you help with bridging finance?

Yes, if ever you find yourself in a position where short-term finance is required while waiting for funds, feel free to contact us.

We have been turned down for a mortgage can you help?

Absolutely, our goal is to see more people stepping into home ownership and build their property investment portfolio. We have access to a range of lenders wanting to help and will explore all avenues available. If all else fails, we will assist you for a longer term to increase your savings, improve your budget or kill debt in order to see you successful in your application.

Can you help with Kiwisaver?

Yes, we can offer ‘class’ (general) advice on Kiwisaver and can assist you with your Kiwisaver Withdrawal as well as your Kiwisaver First Home Grant. We can also help you join or transfer to another provider. For more information click here.

Can you arrange insurance?

Currently no, however we can put you in contact with someone who can.

Do I have to deal with the lender directly as well?

Not at all, one of the benefits of working through us is that you can always deal with the same person. We will help with all aspects of your loan and act as your intermediary with the lenders. You are free to deal with your bank at any time and may have further questions for them directly regarding the setup of your savings accounts etc.

I am self-employed what should I do?

Speak to us we can work with you or your accountant to gather all the required documentation for your loan application.

I do not have enough of a deposit can you help?

Yes, there are plenty of options to explore when you are trying to put together a deposit. If all else fails, we will assist you for a longer term to increase your savings, improve your budget or kill debt in order to see you successful in your application.

I am not in your area can you still help?

Yes, we sure can. Besides phone and email, we use software that allows us to communicate with you effectively via video. We are able to share documents securely, sign and confirm agreements and speak to you face to face (or screen to screen). This bridges the distance gap and allows us to communicate with you from anywhere in the world.

What can I do if I feel that the advice you have given is incorrect?

We are members of a disputes resolution scheme which means that you are covered in the event that you feel we have breached our responsibility as financial advisers. In the first instance, please contact us directly.

Where are you based?

We are based in Tauranga in the Bay of Plenty; however, we can work with you no matter where you are in New Zealand.

How are you governed?

As financial Advisers, we are governed by 1) The Fair-Trading Act 1986; 2) the Privacy Act 1993; 3) the Consumer Guarantees Act 1993; 4) the Financial Advisers Act 2008; 5) the Financial Advisers Disclosure Regulations 2010 and 6) the Responsible Lending Code.

Is my information secure?

Yes, all information supplied to us can only be used for the purpose it was intended. Your information will not be shared with anyone else without express consent from you and will otherwise be securely stored at all times.

Any Other Questions?

Get in touch with us at or call 027 570 4292 for personalised help.