Mortgage Broking Services

If you’ve got a 20% deposit, you’re in a strong position to get into your first home — and that opens up better options.

You’ll usually get lower rates, easier approvals, and access to more lenders.

The key is making sure it’s structured properly from the start so you can buy with confidence.

I’ll compare lenders, check your borrowing power, handle the full application process, and apply to the lender on your behalf.

If you’re already at 20%, you’re ahead — let’s make the most of it and get you into your first home.

Start Application

You don’t need a 20% deposit to get into your first home.

Many buyers get approved with less - you just need the right approach.

I’ll help you understand what you can borrow, guide you through Kāinga Ora and low-deposit options, and structure your application so it’s as strong as possible.

If needed, I can also recommend simple steps to improve your position - whether that’s saving a bit more or strengthening your application before we apply.

I’ll handle the process from start to finish and apply to the lenders most likely to approve your situation.

If you’re under 20%, you’re not out of the game - let’s get you into your first home.

Start Application

A Kāinga Ora First Home Loan can help you get into your first home with as little as a 5% deposit.

It’s designed for buyers with solid income who just haven’t built a full 20% deposit yet.

I’ll check if you meet the Kāinga Ora criteria, match you with the right lender, and structure your application so it has the best chance of approval.

I’ll handle the process from start to finish and apply on your behalf.

If you’re looking to buy with a smaller deposit, this could be the path that gets you into your first home.

Start Application

I can help you get your investment property set up the right way from the start.

I’ll work out your equity position, what you can borrow, and which lenders are the best fit for your situation.

I’ll also structure your lending so it stays flexible and supports your next move.

I’ll handle the full application process and apply to the lender on your behalf.

Whether it’s your first investment or your next one, I’ll help you get it done properly.

Start Application

You can often use the equity in your home to fund a renovation, extension, or move into something larger.

Whether you’re upgrading your current place, adding space, or weighing up whether to renovate or move, I’ll help you work out how much you can borrow and what’s possible.

I’ll handle the application process and deal with the lender on your behalf, making sure everything is set up properly for your situation.

Whether it’s improving where you are or taking the next step, I’ll help you get it done the right way.

Start Application

I can help you finance your new build and keep the process running smoothly from start to finish.

Building works differently to a standard home loan, so getting it set up properly from the start makes a big difference.

I’ll work out what you can borrow, assess your deposit and build plans, and match you with lenders that support construction lending.

I’ll handle the application and apply to the lender on your behalf, and support you through the build as payments are made.

Whether you’re building your first home or your next, I’ll help you get it done properly.

Start Application