Home Loans NZ: Options & Pre-Approval

The lender / bank pays us when your loan settles. A broker fee can apply for small loans, complex/non-bank or bridging scenarios, or if an early “clawback” triggers. We’ll disclose any fee in writing before you proceed. No surprises.

We compare banks and non-banks and match you to the policy that actually fits, not just a teaser rate. We optimise approval odds, cost, and structure (splits, offsets, interest-only where suitable). One application pack, multiple offers, and we manage the admin. You keep your options open and we recommend the best-fit lender. You choose.

Yes—declines are feedback, not the finish line. We diagnose the “why” and either fix and re-apply to a bank or use a short-term non-bank bridge with a clear back-to-bank plan. You’ll know the steps, timing, and costs before you commit. Goal: mainstream pricing as soon as you’re eligible.

With complete documents, straightforward bank files are often 2–5 business days; non banks can be 12–48 hours. Timelines vary with valuations, entities, and busy periods. Ask for our 10-minute checklist to shave days off. We’ll tell you exactly what’s needed upfront.

Absolutely—we tailor to both. Investors: rental income shading, portfolio treatment, and cash-flow structure matter. Self-employed: we present income clearly (financials/IR3s or accepted alt-doc) and plan around tax timing; newer businesses may start with a non bank, then move back to a bank. You’ll get a lender shortlist and a step-by-step doc list.