Christchurch Mortgage Advisers
Home Loans,
Human Advice.
We help you buy your first home, or review your current mortgage and make changes where they make sense. A mortgage is a big deal. Let’s get it right.
Looking for a place to call home?
We’ll get you there.
WHERE SHOULD WE START?
What best describes your situation?
First home.
Fresh start.
Make sense of deposits, pre-approval and what you could borrow. We’ll help you plan your first home.
Let’s plan your first homeYour home.
A fresh look.
Fixed rate ending or plans changing? Understand your options and whether to refix, refinance or stay with your current lender.
Talk about a mortgage check-upNew home.
Room to grow.
Upsizing, downsizing or moving somewhere new? Work out how your mortgage and available equity could support your next move.
Make sense of your next moveTHE PROCESS WITH TRACTION
Big decisions.
Less guessing.
You don’t need it all figured out. We’ll work through it with you, one step at a time.
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Start with you.
Tell us your plans. We’ll get to know your situation and what matters to you.
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Make the options clear.
Understand your borrowing options, repayments and what each choice could mean for you.
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Move forward, together.
We’ll help with your application and guide you through what happens next.
FREQUENTLY ASKED QUESTIONS
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 a few factors, but long story short, there are options all the way down to 5%, which most people have tucked away in their Kiwisaver already! We aim for 10% to open up your options. But, we absolutely don’t expect everybody to have a 20% deposit.
What’s the difference between refixing and refinancing?
Refixing means choosing a new fixed interest rate with your current lender. Refinancing 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
Ready for your next chapter?
Let’s talk about it.
First home on your mind? Fixed rate coming up?
Let’s start with a casual conversation.
Ready to start?
Tell us about your plans,
We’ll get you there.
