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Non Bank Lending

Browse our articles about mortgage lending assessments, credit history, self-employment and financial circumstances that can affect borrowing. This collection explains common application challenges, lender considerations and specialist lending topics, helping readers explore individual subjects in more detail.

Mortgage Declined Due to Affordability in New Zealand

An affordability-related mortgage decline means the application did not meet the lender’s servicing calculation. It does not necessarily mean the...

Mortgage Declined Due to Low Deposit in New Zealand

Having a mortgage application declined because of a low deposit can be frustrating, particularly when the repayments appear affordable. A...

Why Was My Mortgage Declined in New Zealand?

A mortgage is usually declined because the lender believes the complete application does not meet its affordability, risk or policy...

Mortgage After Bankruptcy NZ | Rebuild Toward Home Ownership

A discharged bankruptcy does not always close the door to home ownership. Rebuilding toward home ownership after bankruptcy often depends...

Pros and Cons of Non Bank Lenders in NZ (Is it Right for You?)

A non bank lender can create a pathway when a bank’s policy does not fit. This flexibility may come with...

How Credit Card Debt Affects Mortgage Borrowing Capacity in NZ

How Credit Card Debt Impacts Your Mortgage Affordability in New Zealand Credit card debt is common in New Zealand and...

What Is a Mortgagee Sale in NZ?

A mortgagee sale happens when a lender forces the sale of a property to recover unpaid mortgage debt after a...

Mortgage With Bad Credit in NZ

Getting a mortgage with bad credit in New Zealand may still be possible, but the type of credit issue, how...

How to get a mortgage if self-employed for less than 2 years

Self-employed for less than 2 years and dissapointed by a declined application? This article shows you how to get a...

Non Bank Lending

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