Christchurch Financial Advice
Give Your Goals
Some Traction
Your first home. Your next Home. Help with your current mortgage. Let’s get you sorted, with Traction on your side.
Looking for a place to call home?
Let’s get you there.
Traction Financial ServicesYour go to Christchurch Mortgage & Kiwisaver advice
Read Our Google reviewsWHERE SHOULD WE START?
Different starting points.
One clear next step.
Financial Advice shouldn’t be generic.
Let’s work out what works for you.
First home.
Fresh start.
From “where do we start?” to understanding your affordability & options. We’ll help make sense of deposits, pre-approval and the steps towards your first home.
Let’s plan your first homeSame home.
New possibilities.
Fixed rate ending? Circumstances changed? Things just don’t make sense? A mortgage check-up explores your refix and refinance options, your current loan structure and whether a change makes sense.
Talk about a mortgage check-upNew home.
Room to grow.
A bigger place, a smaller footprint or a change of scene. Understand how your current mortgage, available equity and buying plans could fit together.
Make sense of your next moveTHE TRACTION APPROACH
Big decisions.
Less guesswork.
You don’t need to have it all figured out. That’s what the conversation is for. We start with your life, then work through the lending.
Talk with PatrickThe mortgage follows.
- 01
Start with you.
Tell us where you are, where you want to go and what matters most. We’ll help you understand your starting point.
- 02
Make the options clear.
Work through suitable lending options, repayments and the trade-offs, so you can make an informed decision.
- 03
Move forward, together.
Get guidance through the application and next steps, with a clear view of what’s needed along the way.
CHRISTCHURCH IS HOME
Local perspective.
Your future in focus.
From a first home in Christchurch to a fresh start elsewhere in Canterbury, we help you see the mortgage decisions clearly — and take the next step with a plan.
A LITTLE MORE CLARITY
Good questions.
Clear answers.
The things you might be wondering
before we talk.
What does a mortgage adviser help with?
A mortgage adviser helps you understand lending options in the context of your goals and finances. That can include preparing an application, comparing loan structures and guiding you through the next steps. The lender makes the final lending decision.
Can I talk to you before I’m ready to buy?
Yes. An early conversation can help you understand what to prepare, the costs to plan for and what lenders may want to see. You don’t need to have found a property to start getting your mortgage questions answered.
How much deposit do I need for my first home?
It depends on the lender, the property and your circumstances. A larger deposit can open up more options, but some borrowers may be eligible with less. We can help you understand the deposit and affordability requirements relevant to your situation.
What’s the difference between refixing and refinancing?
Refixing usually means choosing a new fixed interest rate with your current lender. Refinancing generally means moving your home loan to another lender. A mortgage check-up considers both options, including fees, possible break costs and any cashback repayment obligations.
When should I review my mortgage?
Before a fixed-rate period ends, or when your income, household or plans change, is a useful time to review. Start the conversation early enough to explore your options before a decision is due.
Does a mortgage check-up mean I have to switch banks?
No. The right outcome may be staying with your existing lender, changing your loan structure or looking at alternatives. Any potential benefit needs to be considered alongside the costs and your longer-term plans.
LET’S GET YOU MOVING
Your next chapter.
Let’s talk about it.
First home on your mind? Fixed rate coming up?
Start with a conversation about where you want to go.
Patrick Sargisson
Tell me a little about your plans.
We’ll work out the next step together.
