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Mortgage brokers provide their services free of cost to the customer. They deal with different lenders and can provide the options most suited to your circumstances. They assess your needs and identify your loan requirements accordingly. Using a mortgage broker gives you more options—they look at multiple lenders, not just banks, to find the loan which is right for you.

We will complete all the mortgage applications for you to ensure your home loan application has the optimum chance of success. Our custom mortgage broking software compares mortgage rates so we can deliver the best-value home loan for your situation.

Many people choose to fix the interest rate on their loan for one or two years, or longer, because it provides more certainty for the household budget. In some situations, a floating rate or a combination of fixed and floating rates may be more suitable. It depends on your circumstances, which we can help you analyse.

Most banks require documents that prove your income and proposed deposit, along with bank statements to verify your personal expenses and account conduct. They also need details of your current assets and liabilities and usually require proof of residency status.

Most banks require five to ten working days to assess an application. This may vary depending on the lender, the completeness of the documents and the urgency of the application.

Banks normally require a minimum 20% deposit for an owner-occupied home and 30% to 40% for an investment property. Commercial property deposits often start at approximately 35%, but the amount can vary according to the particular situation.

Eligibility depends on your KiwiSaver contribution history, income, intended use of the property and the regional house-price cap. Because these criteria can change, talk with our team and we will help you check the current requirements and understand the support available to you.

Depending on each individual situation, customers can save thousands of dollars by restructuring or refinancing their mortgage. We can review your current lending and compare suitable alternatives.

Total Assurance provides clear, independent advice across personal and business insurance. This includes life, health and group medical insurance, trauma cover, income protection, redundancy cover, mortgage protection, key person cover, total and permanent disability insurance and household expense cover.

Through our relationships with leading New Zealand insurers, we can compare suitable cover and pricing. We take time to understand your circumstances so you are not paying for an unsuitable sum insured or the wrong type of cover.

The right insurer depends on your personal needs. Providers structure cover and process claims differently. We compare those differences alongside your circumstances to identify insurance options that are appropriate for you.

Stepped premiums generally increase at each policy anniversary based on age, inflation, medical technology and treatment costs. Level-premium options can provide a guaranteed rate for an agreed term. We can explain the trade-offs and help you select a structure that suits your goals.

Making a claim can be stressful during an already difficult time. Our service includes claims support to help you prepare the required information, communicate with the insurer and progress the claim as efficiently as possible.

People who smoke usually pay a higher insurance premium. Insurers may classify occasional smoking as smoker status. If you have successfully stopped smoking for at least 12 months, you may be able to apply for a premium review, and we can help you with that process.