Total Mortgages

Property investment can be an attractive, long-term financial strategy for many New Zealanders looking to grow their wealth and secure a comfortable retirement.

The appeal? Despite fluctuations, property values generally increase steadily in New Zealand, and rental income helps to pay off your mortgage – depending on the property, deposit and rental yield, you may cover all of your expenses. Plus, it’s a tangible asset compared to shares.

As your trusted investment mortgage broker in NZ, we're here to guide you through this process. Ask us about our investment property mortgage rates today.

Investment

As part of the process, we’ll help you work out any break fees you may be liable for and whether you’re actually better off by refinancing. If the answer is yes, we can then take care of the application process. We’ll stick with you every step of the way until your new loan is approved and drawn down.

Navigating the refinancing landscape can be complex, but our experienced team at Total Mortgages is here to simplify it for you. Book a call today.

Your Partner in Property Investment in NZ

Investing in property in New Zealand can be a rewarding venture, and we're here to help make it happen. With our comprehensive knowledge of the NZ property market and investment property loan options, we're well-equipped to guide you towards your investment goals.

Investment Property Loans: How the Process Works

To get started, if you need a loan you’ll also need to work out your 35% deposit strategy. Do you leverage your existing property, use savings or partner with a friend or family member?

Then it’s time to work out your investment strategy with seasoned advisers like the Total team. We’ll help you understand calculating your yield, and structuring your investment property borrowing, explaining terms like a revolving credit loan and offset loan.

Once you have your financial plan in place, keep in mind that searching for an investment property is different to hunting out your dream home. You should consider the location demand, capital gain and condition, as rental properties need to meet the Healthy Homes Standards before a new tenancy can be signed. If you’re going to have your rental property taken care of by a property manager, it pays to engage with them early; they may be able to share important market insights with you.

Remember, there’s no cost in meeting with our team to explore your options and start your investment journey. Book a call with us today.

01

KiwiSaver
If you’re a first-home buyer you can withdraw your KiwiSaver funds to use as a deposit toward your new home. You must leave $1,000 in your account and meet these other conditions:
  1. have been in a KiwiSaver scheme for at least three years,
  2. be planning to live in the house for at least six months, and
  3. be buying your first home

02

First Home Grant
The First Home Grant provides eligible first-home buyers with:
  1. Up to $5,000 for each individual to put towards the purchase of an existing/older home.
  2. Up to $10,000 per individual if you're purchasing a brand new home
Income eligibility includes a minimum annual income of:
  1. $95,000 or less (before tax) for a sole buyer.
  2. $150,000 combined for two or more buyers.
Plus, there is a price cap specific to each region of New Zealand.

03

First Home Loan
If finding a 20% deposit seems out of reach, the Government (under Kāinga Ora) offers First Home Loan, a first home buyers grant in NZ which only requires a 5% deposit. These loans are issued by selected banks and other lenders and underwritten by Kāinga Ora and have certain criteria, including an income and regional house price cap.
‍
You can check the criteria here, and similar to the requirements of the First Home Grant, you must:
  1. Live in the home you're buying.
  2. Be an NZ Citizen or Permanent Resident.

04

Guarantees
These are often made by your parent(s) or other close family members as guarantors to guarantee the portion of a 20% deposit you don’t have saved.
‍
The amount they guarantee is secured over their property or a term deposit, so they are using the equity in their own home rather than providing a cash payout to make up the 20% deposit. 
‍
One important point: your parents need to be in a stable financial position and working with a regular income, so if they are enjoying retirement, they may not be eligible. 
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We can talk through all the ins and outs of guaranteeing a loan with you and your parents so everyone knows how it works and any potential risks.

05

Saving for Your First Home Loan: 10% Deposits  
While the market is tougher if you only have a 10% deposit, there are still banks that will lend. It will likely just mean the criteria you need to meet are a bit more lengthy. Lenders will generally require you to have a higher monthly surplus in funds to ensure you can service the loan and be stricter on income from any boarders or flatmates.
‍
Don’t worry, we can help work through this with you with our loan servicing calculator. 

Ready to get started?

It’s time to get in touch with us! We’ll work with you to find out how much you can afford to spend on your new home, so you can start hitting those open home viewings.

Plus, we can answer any of those burning questions you might have, whether it’s the time involved in applying, tenders and sale and purchase agreements, when and how to pay a deposit and what fixed and floating interest rates are.

Here at Total Mortgages, we know all the ins and outs when it comes to first home grants, low deposit home loans, and high lvr home mortgages. To find out more, book a call today.

FAQs

Investment Investment Mortgages: Your Key to Building Wealth

We understand that every successful property investor begins their journey with the right investment loan. We're here to guide you through this process as your trusted investment mortgage broker in New Zealand.

The Power of Investment Loans

Investment loans open up a world of possibilities for savvy investors. Here are some of the key benefits:
  • Cash Flow: An investment property can generate rental income, which can help cover the mortgage payments.
  • Appreciation: Over time, your property may increase in value, boosting your net worth.
  • Tax Benefits: Interest on an investment loan is generally tax-deductible, which can reduce your overall tax bill.
  • Savings: You will enjoy the best investment property mortgage rates courtesy of our brokers.
Savings: You will enjoy the best investment property mortgage rates courtesy of our brokers.

Securing Your Investment Property Loan

As a leading property investment mortgage broker, we offer a wide variety of loan options to choose from. We understand that each investor has unique needs and goals. That's why we tailor our services to meet your specific requirements, whether you're a first-time investor or an experienced portfolio builder.

Competitive Investment Mortgage Rates

One of the key factors in choosing a loan is the investment mortgage rates. We strive to offer some of the most competitive rates in the industry. With our extensive network of lenders, we can find a mortgage for investment property that suits your budget and investment goals.

Investment Property Financing Made Easy

Navigating the world of investment property financing can be complex, but with Total Mortgages, it doesn't have to be. Our team of experts is here to simplify the process and help you make informed decisions. We're committed to providing clear, concise advice and support every step of the way.

Ready to Start Your Investment Journey?

Investing in property is an exciting journey, and with the right investment mortgage broker by your side, success is within reach.

Start building your wealth with Total Mortgages. Call us at 0800 777 337 or book in a call to speak to one of our mortgage brokers. Let's unlock your loan potential today.

FAQs

The Benefits of Non-Bank Mortgage Lenders in NZ

Navigating the world of mortgages can be overwhelming, but with Total Mortgages, a leading non-bank mortgage broker in NZ, it doesn't have to be.

We provide personalised, comprehensive services that make the process of securing a mortgage easy and stress-free. Been declined by the banks or have a poor credit score? We can help you with mortgage advice for declined applicants.

With a wide range of second-tier mortgage lenders and mortgage alternatives in NZ, here's why choosing us as your mortgage advisor is a smart move.

Access to Alternative Mortgage Lenders

As a non-bank mortgage broker, we have access to a wide range of non-traditional home loans and mortgage alternatives in NZ. This allows us to offer you more options than traditional banks.

Whether you're a first-time homebuyer, looking to refinance, or investing in property, we can connect you with the best non-bank mortgage lenders in NZ to meet your unique needs. We work with a wide network of legal non-bank lenders who can provide non-regulated mortgage options. Ask us how today.

Tailored Solutions: Our Non-Bank Financial Services

Every client's situation is unique, and so their mortgage solutions should be, too. As a non-bank mortgage advisor, we work closely with you to understand your financial situation and goals. Based on this, we tailor a mortgage solution that fits your circumstances perfectly.

Benefits of our tailored solutions include:
  • Customised repayment plans
  • Flexible loan terms
  • Competitive interest rates

Unbiased Advice

Unlike traditional banks, we aren't tied to any specific lender. This means we can provide unbiased, honest advice about the best non-bank mortgage lenders in NZ. Our primary goal is to ensure you secure a mortgage that aligns with your financial objectives.

Easy Approval Process

Non-bank lenders often have less stringent criteria than traditional banks, making it easier for people with unique circumstances to get approved. Whether you're self-employed, have a low credit score, or are buying an unconventional property, we can help you navigate the approval process with ease.

Why Choose Us as Your Non-Bank Mortgage Broker?

At Total Mortgages, we believe in building strong relationships with our clients. We pride ourselves on offering personalised service, always being available to answer your questions, and guiding you every step of the way through the mortgage process.

Here's why we stand out:
  • We have a wide network of non-bank mortgage lenders in NZ.
  • Our team of experts provide unbiased advice, helping you choose the best lender for your needs.
  • We offer tailored mortgage solutions, keeping your financial goals at the forefront.
  • Our easy approval process ensures a seamless experience.
Choosing Total Mortgages gives you access to a wider range of mortgage options, personalised service, and unbiased advice. We're committed to helping you secure the best mortgage deal that matches your unique circumstances and financial goals.

Let us guide you through the process of securing your dream home. Book a call with us today.

FAQs

The Benefits of Non-Bank Mortgage Lenders in NZ

Navigating the world of mortgages can be overwhelming, but with Total Mortgages, a leading non-bank mortgage broker in NZ, it doesn't have to be.

We provide personalised, comprehensive services that make the process of securing a mortgage easy and stress-free. Been declined by the banks or have a poor credit score? We can help you with mortgage advice for declined applicants.

With a wide range of second-tier mortgage lenders and mortgage alternatives in NZ, here's why choosing us as your mortgage advisor is a smart move.

Access to Alternative Mortgage Lenders

As a non-bank mortgage broker, we have access to a wide range of non-traditional home loans and mortgage alternatives in NZ. This allows us to offer you more options than traditional banks.

Whether you're a first-time homebuyer, looking to refinance, or investing in property, we can connect you with the best non-bank mortgage lenders in NZ to meet your unique needs. We work with a wide network of legal non-bank lenders who can provide non-regulated mortgage options. Ask us how today.

Tailored Solutions: Our Non-Bank Financial Services

Every client's situation is unique, and so their mortgage solutions should be, too. As a non-bank mortgage advisor, we work closely with you to understand your financial situation and goals. Based on this, we tailor a mortgage solution that fits your circumstances perfectly.

Benefits of our tailored solutions include:
  • Customised repayment plans
  • Flexible loan terms
  • Competitive interest rates

Unbiased Advice

Unlike traditional banks, we aren't tied to any specific lender. This means we can provide unbiased, honest advice about the best non-bank mortgage lenders in NZ. Our primary goal is to ensure you secure a mortgage that aligns with your financial objectives.

Easy Approval Process

Non-bank lenders often have less stringent criteria than traditional banks, making it easier for people with unique circumstances to get approved. Whether you're self-employed, have a low credit score, or are buying an unconventional property, we can help you navigate the approval process with ease.

Why Choose Us as Your Non-Bank Mortgage Broker?

At Total Mortgages, we believe in building strong relationships with our clients. We pride ourselves on offering personalised service, always being available to answer your questions, and guiding you every step of the way through the mortgage process.

Here's why we stand out:
  • We have a wide network of non-bank mortgage lenders in NZ.
  • Our team of experts provide unbiased advice, helping you choose the best lender for your needs.
  • We offer tailored mortgage solutions, keeping your financial goals at the forefront.
  • Our easy approval process ensures a seamless experience.
Choosing Total Mortgages gives you access to a wider range of mortgage options, personalised service, and unbiased advice. We're committed to helping you secure the best mortgage deal that matches your unique circumstances and financial goals.

Let us guide you through the process of securing your dream home. Book a call with us today.

FAQs

The Benefits of Non-Bank Mortgage Lenders in NZ

Navigating the world of mortgages can be overwhelming, but with Total Mortgages, a leading non-bank mortgage broker in NZ, it doesn't have to be.

We provide personalised, comprehensive services that make the process of securing a mortgage easy and stress-free. Been declined by the banks or have a poor credit score? We can help you with mortgage advice for declined applicants.

With a wide range of second-tier mortgage lenders and mortgage alternatives in NZ, here's why choosing us as your mortgage advisor is a smart move.

Access to Alternative Mortgage Lenders

As a non-bank mortgage broker, we have access to a wide range of non-traditional home loans and mortgage alternatives in NZ. This allows us to offer you more options than traditional banks.

Whether you're a first-time homebuyer, looking to refinance, or investing in property, we can connect you with the best non-bank mortgage lenders in NZ to meet your unique needs. We work with a wide network of legal non-bank lenders who can provide non-regulated mortgage options. Ask us how today.

Tailored Solutions: Our Non-Bank Financial Services

Every client's situation is unique, and so their mortgage solutions should be, too. As a non-bank mortgage advisor, we work closely with you to understand your financial situation and goals. Based on this, we tailor a mortgage solution that fits your circumstances perfectly.

Benefits of our tailored solutions include:
  • Customised repayment plans
  • Flexible loan terms
  • Competitive interest rates

Unbiased Advice

Unlike traditional banks, we aren't tied to any specific lender. This means we can provide unbiased, honest advice about the best non-bank mortgage lenders in NZ. Our primary goal is to ensure you secure a mortgage that aligns with your financial objectives.

Easy Approval Process

Non-bank lenders often have less stringent criteria than traditional banks, making it easier for people with unique circumstances to get approved. Whether you're self-employed, have a low credit score, or are buying an unconventional property, we can help you navigate the approval process with ease.

Why Choose Us as Your Non-Bank Mortgage Broker?

At Total Mortgages, we believe in building strong relationships with our clients. We pride ourselves on offering personalised service, always being available to answer your questions, and guiding you every step of the way through the mortgage process.

Here's why we stand out:
  • We have a wide network of non-bank mortgage lenders in NZ.
  • Our team of experts provide unbiased advice, helping you choose the best lender for your needs.
  • We offer tailored mortgage solutions, keeping your financial goals at the forefront.
  • Our easy approval process ensures a seamless experience.
Choosing Total Mortgages gives you access to a wider range of mortgage options, personalised service, and unbiased advice. We're committed to helping you secure the best mortgage deal that matches your unique circumstances and financial goals.

Let us guide you through the process of securing your dream home. Book a call with us today.

FAQs

The Benefits of Non-Bank Mortgage Lenders in NZ

Navigating the world of mortgages can be overwhelming, but with Total Mortgages, a leading non-bank mortgage broker in NZ, it doesn't have to be.

We provide personalised, comprehensive services that make the process of securing a mortgage easy and stress-free. Been declined by the banks or have a poor credit score? We can help you with mortgage advice for declined applicants.

With a wide range of second-tier mortgage lenders and mortgage alternatives in NZ, here's why choosing us as your mortgage advisor is a smart move.

Access to Alternative Mortgage Lenders

As a non-bank mortgage broker, we have access to a wide range of non-traditional home loans and mortgage alternatives in NZ. This allows us to offer you more options than traditional banks.

Whether you're a first-time homebuyer, looking to refinance, or investing in property, we can connect you with the best non-bank mortgage lenders in NZ to meet your unique needs. We work with a wide network of legal non-bank lenders who can provide non-regulated mortgage options. Ask us how today.

Tailored Solutions: Our Non-Bank Financial Services

Every client's situation is unique, and so their mortgage solutions should be, too. As a non-bank mortgage advisor, we work closely with you to understand your financial situation and goals. Based on this, we tailor a mortgage solution that fits your circumstances perfectly.

Benefits of our tailored solutions include:
  • Customised repayment plans
  • Flexible loan terms
  • Competitive interest rates

Unbiased Advice

Unlike traditional banks, we aren't tied to any specific lender. This means we can provide unbiased, honest advice about the best non-bank mortgage lenders in NZ. Our primary goal is to ensure you secure a mortgage that aligns with your financial objectives.

Easy Approval Process

Non-bank lenders often have less stringent criteria than traditional banks, making it easier for people with unique circumstances to get approved. Whether you're self-employed, have a low credit score, or are buying an unconventional property, we can help you navigate the approval process with ease.

Why Choose Us as Your Non-Bank Mortgage Broker?

At Total Mortgages, we believe in building strong relationships with our clients. We pride ourselves on offering personalised service, always being available to answer your questions, and guiding you every step of the way through the mortgage process.

Here's why we stand out:
  • We have a wide network of non-bank mortgage lenders in NZ.
  • Our team of experts provide unbiased advice, helping you choose the best lender for your needs.
  • We offer tailored mortgage solutions, keeping your financial goals at the forefront.
  • Our easy approval process ensures a seamless experience.
Choosing Total Mortgages gives you access to a wider range of mortgage options, personalised service, and unbiased advice. We're committed to helping you secure the best mortgage deal that matches your unique circumstances and financial goals.

Let us guide you through the process of securing your dream home. Book a call with us today.

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