Home loans

The right loan for where you are right now.

Same lenders. Same rates. Better packaging. Pick where you're at — we'll tell you what's possible.

Written by Matt Edwards · Last updated May 2026

First Home

KiwiSaver, low deposits, parental help. The first one is the hardest — we've done thousands.

Refinancing

Move to the bank that wants you most. We model the cashback, weigh the break costs, and tell you when it isn't worth it.

Refixing

Fixed term ending? The rate the bank emails you is rarely the best they'd give you. We negotiate.

Investment Property

First rental to a portfolio that funds the rest of your life. Servicing maths and structure that hold up.

Construction

Progress payments, fixed-price contracts, drawdowns. Building is different — we know the bits the builder explains badly.

Top-Ups & Debt Consolidation

Use the equity you've already built. Renovate, buy a second property, or tidy up high-interest debt.

Bridging

Buy the next one before the last one settles. When timing won't cooperate, bridging keeps you moving.

Why we don't specialise

Most clients hit four of these in their lifetime.

First home. Refix at the end of year three. Maybe a top-up to renovate. Maybe a second property as the kids get older. Maybe a build twenty years in.

We work across the whole journey on purpose. The adviser who packaged your first home loan should be the same one who refinances it eight years later. That's how the maths gets sharper over time — we've already got the file.

See how the journey works

Not sure which one you need?

Tell us your situation. We'll point you at the right one.

A 20-minute call beats 20 minutes on a bank's product page.

Call Matt — 021 997 106 Call Gareth — 021 997 150