Bank negotiation
We approach multiple lenders on your behalf and negotiate rate, cash contribution and conditions.
Residential Lending / Mortgages
We provide a full brokerage service with the main banks in New Zealand. Whether you are a first home buyer, an investor, upgrading or downsizing, we help you reach the goal. Using an adviser from our team means a competitive offer on rate and cash contribution, plus sound advice on structure that lines up with your short, medium and long-term plans.
Structure that saves interest
Splits, fixed and floating mixes, offset and revolving credit set up to suit your income and goals.
Approval strength
We present your application the way lenders want to see it, which improves both approval odds and speed.
Refix and review
We come back to you before rates roll off so you never drift onto a default rate.
Process
How the advice process works.
01
Free chat
Goals, deposit, income and timeframe — plus an honest view of what is achievable.
02
Document collection
We tell you exactly what is needed and chase nothing twice.
03
Lender selection
We match your situation to the lenders most likely to say yes on good terms.
04
Application & negotiation
We submit, advocate and negotiate rate and cash on your behalf.
05
Settlement & beyond
We coordinate with your solicitor and stay in touch for future refixes and top-ups.
Who it suits
Built for these situations.
- First home buyers, including First Home Grant and KiwiSaver withdrawals
- Investors building or restructuring a property portfolio
- Upgrading, downsizing or bridging between two properties
- Refinancing, debt consolidation and construction lending
FAQs
Common questions.
What does it cost me?
In most cases the lender pays our brokerage, so there is no direct cost to you. If a fee ever applies we tell you up front.
How much deposit do I need?
Typically 20% for an owner-occupied purchase, though lower deposit lending and First Home options exist. We will tell you where you stand.
Can you help if a bank has already declined me?
Often yes — a decline at one lender does not mean a decline everywhere, and structure is frequently the issue.
Let's get your financial future organised.
A no-obligation conversation with a Parnell-based adviser who takes the time to understand where you're heading.