Residential Lending

New Zealanders have a wide variety of needs when it comes to home loans. For this reason, it is imperative to have access to a number of lenders.

Our panel lenders include:

Types of Residential Lending

With ten residential lenders we are able to offer a variety of home loans to suit your circumstances.

100% Loans - These are still available for investors who have existing property with available equity.
No-Doc and Lo-Doc Loans - These are available for people who are unable for a variety of reasons to prove their income. This type of loan is ideal for the self employed, or for those who not only have a wage or salary job but also have other sources of income.
Construction Loans – Although most of our lenders will finance the building of a house, we have a couple who offer specialised loans for construction.
Loans for Credit Impaired - For a variety of reasons some people may have an adverse credit history and we have lenders who specialise in offering loans to people who would not qualify for main bank criteria.
Mortgagee Sales - For those people who have fallen behind with their mortgage payments and the bank is threatening a mortgagee sale we have lenders who are prepared to offer loans to give them a fresh start.
Capitalised Interest Loans – In some circumstance it is possible to obtain a loan where the interest is capitalised (i.e. added on to the loan)
Equity Release Loans - Elderly people often have most of their wealth tied up in their (usually) mortgage free home. We are able to offer loans to release the equity in the home, and the loan does not have any repayments. This then gives the person access to cash for any purpose.