Whether you’re looking to mortgage your first home, re-evaluate an existing property, or build on your income properties, we work to find the most suitable deals and most competitive rates on the market. Want calm, straight answers and a clear plan? You’re in the right place.
From Our First Chat to Settlement at a Glance
- Scope your position. Understand your deposit, income, timeframes, KiwiSaver – what’s possible right now and what we need to work on or fix, if anything.
- Compare real options. We’ll line up banks and specialist/non bank lenders, explain the trade-offs (rates, fees, and flexibility).
- Get pre-approval, done right. We’ll tidy up the documents, line up any valuation or insurer checks, and get you an offer -or auction-ready.
- Settle with a plan. We help you with structures (fixed, floating, split or offsets), rollover strategy and support after you move.
Personalised Advice
At Platinum Mortgages, the Financial Advisers review your specific situation and connect you with the most trustworthy home-loan lenders. Even if you don’t have the perfect credit score, the Platinum Mortgages Advisers endeavour to find the right lender to help you get approved for a home loan. Pre-apply for a mortgage online or fill in our contact form and a Financial Adviser will be in touch as soon as possible.
Types of Home Loans We cover
- Bad Debts – Platinum Mortgages Advisers are familiar with offering mortgage advice to clients who have bad debts and will advise which lenders could offer you a mortgage or different solution.
- Bank Said No – so what next? We’ll review the reason, tidy any gaps, and show you realistic options. Sometimes a quick fix gets you back to a main bank approval.
- Non bank lending – Don’t panic when the banks have declined your application. They are useful when you need speed or flexibility. We’ll set an exit plan to refinance back to a bank when you qualify.
- Debt Consolidation – Roll multiple debts into a single loan to simplify repayments and free up monthly cash flow.
- First Home Loan – You may be eligible to take out a loan to buy your first home, if you only have a 5% deposit. We’ll tell you what’s realistic for you.
- Refinance – Refinance your mortgage for a lower interest rate and to negotiate a new set of mortgage terms and conditions to suit your repayment capacity. You may apply for a refinance and top-up, using equity in your existing property.
- Second Mortgage – You can use any equity you have in your home as security against another loan.
Home Loans Tailored to Your Goals
Finding the perfect loan or mortgage can be quick and easy when you speak to the right Adviser. We’ll look at fixed vs floating (or a split), offsets/redraw, and how to keep flexibility for life changes – without overpaying on interest.
Quick Scenarios:
- A first-home buyer on a timeline. You’ve got KiwiSaver and a gift from whānau, and auction day is looming. We’ll confirm deposit sources, check LVR rules, and get a clean pre-approval so you can bid with a clear ceiling.
- Self-employed contractor. Income is healthy but last year’s financials aren’t final. We can use a non bank approval to secure the property now, then plan a refinance back to a bank in 6-12 months.
Get Your Loan Approved today!
Keen to start your loan application? Apply today!
Alternatively, if you would like more information or have any questions about a home loan, contact a Platinum Mortgages Adviser today – they will be in touch as soon as they can.