Total Mortgages is Empowering Everyday Kiwis to Seize the Dream of Home Ownership!
Ever dreamt of owning a home but felt like you needed a treasure map to get there? Well, grab your compass, because a Kāinga Ora backed Home Loan is your golden ticket to home sweet home!
Who Can Join the Home-Buying Party?
- Kiwis Like You: If you call New Zealand home, you're in! You must have a minimum of a Resident Visa to be eligible.
- Employment Stability: If you've been rocking the same role for 12 months or dominating the same industry for a whopping 24 months, consider yourself a professional ready to go.
- Income Wizards: You'll need to earn $95,000 or less for a single applicant without dependents, or $150,000 or less for either a couple or single applicant with dependants.
- 5% Deposit Dynamos: If you can come up with at least 5% of the purchase price, you're practically at the finish line!
- First-Time Buyers or Financial Twins: If you've never owned a home or feel like you're starting fresh? Come on down! The scheme is also available to second-chance homeowners!
- Live-in Lovers: If you're buying to live in as your primary castle? Welcome home!
Ready to turn your home-owning dreams into reality? Kāinga Ora's got the keys, and they're jingling with your name on them!
Discover the Key to Unlocking Unbeatable Interest Rates and Experience VIP Treatment Even without a 20% Deposit!
Welcome to the home loan party, where the interest rates are low, and the vibes are high! With Kāinga Ora's First Home Loan scheme, we're rolling out the red carpet for you, even if your deposit is just 5%!
Benefits Include:
- Interest Rates That'll Make You Dance: We can offer you special interest rates as though you had a 20% deposit!
- Cash Contribution: Supercharge your bank balance and reduce upfront costs with cash from the bank.
- Lending Criteria So Chill, They're Practically on Vacation: Your application is stress tested at the minimum so you get the most out of your lending.
Ready to feel like home-loan royalty? Grab your crown, and let's make your home-owning dreams come true! 🏰
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Access New Zealand’s top lenders
Unlocking the Mystery: The Magical Criteria You'll Need to Meet to Join the Homeownership Club
Wondering what it takes to qualify for Kāinga Ora's First Home Loan? Dial in, and we'll unravel the enchanting criteria you'll need to meet. Your key to homeownership is just a call away!
Timing is Everything: Is Now Your Golden Moment to Apply? Let's Find Out!
Timing is everything, especially in the magical world of homeownership. Dial in, and we'll explore the cosmic signs to see if now's the time to apply. Your destiny awaits – let's uncover it together!
Living Large Without Living Less: Discover How Much You Can Borrow Without Cramping Your Style!
Dreaming of a new home but don't want to give up your favourite hobbies or weekend getaways? Join us for a chat, and we'll reveal how you can borrow for your dream home without sacrificing the lifestyle you love. Your future home and your future fun are just a call away!
The Secret Sauce: A Simple Industry Trick to Turbocharge Your Application Process
Tired of the home loan application feeling like a snail race? Join us for a call, and we'll share a simple industry trick that'll put your application on the fast track. Get ready to zoom towards your dream home!
Unleash Your Potential: Three Wizardly Application Tips to Unlock Your True Borrowing Power
Want to unlock the hidden treasures of borrowing power? Dial in, and we'll reveal three magical application tips that'll transform your borrowing potential. Your true financial strength is waiting to be discovered – let's find it together!
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Sit back, relax, and let our award-winning experts work their magic as they handle the application process for you!
Since our establishment in 2015, we have made a significant impact in the Kiwi mortgage market and have received 9 awards. If you are in need of a mortgage adviser who can provide a personalized approach and improve your chances of approval without adding extra stress and effort, we are here to assist you.
Our goal is to make the entire process as simple as possible. We use easy-to-understand language, eliminate the need for bank visits, and handle all loan comparisons for you. The only difficult part will be choosing the keys.
Get the best bang for your buck with a trusted loan provider!
Why settle for your main bank's home loan? They won't tell you about better options! Loyalty won't save you money when it comes mortgage. Don't let a bad decision drain your wallet of hundreds of thousands of dollars over your loan.
We analyze multiple banks and compare their rates to find the best options for you. We work with trusted lenders to provide secure loans and offer ongoing assistance throughout the loan process.
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Book your ‘home loan insider’ call
Simply schedule a call with one of our experts, without any cost or obligation to continue with us afterwards. It's an opportunity to share some industry secrets with you.
We do the research and hard work
If you believe we are a suitable match, we can begin immediately. We will utilize our expertise to locate the appropriate loan, lender, and interest rate, while handling all the necessary tasks on your behalf.
You receive an outcome in 15 days
Get ready to hear some exciting news! Once we have all of your paperwork in hand, you won't have to wait long to find out the outcome of your loan application. Our team of experts is here to make sure you have the absolute best shot at approval. So sit back, relax, and get ready for some good news!
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The Total Guarantee
Don’t want to be left in the lurch, waiting for weeks to know if you’re approved? We guarantee you’ll receive an outcome on your home loan within 15 working days of providing us with your documentation. And in the extremely unlikely event that you don’t, we’ll ship you a free giftbox!
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Get Instant Advice On Your Situation On The Call. (Even If You Don’t Have Payslips Or Bank Statements Ready!)
Don't sweat it, friend! If your paperwork game isn't strong, we've got your back, we'll run the figures off the numbers you tell us. No judgment zone here! Consider it your secret weapon to slay the paperwork dragon and get your life back on track.
Unleash your borrowing power and conquer your financial destiny!
Unlock the secret to your dream home with a personalized home loan consultation from our expert team! Let us analyze your income and expenses to determine the perfect loan size for you.
Unlock the secrets to a killer application with our team of application wizards!
We've got you covered! From rates to lender security to lightning-fast application processing, we'll work our magic to secure you the absolute best deal out there!
Get ready to have all your burning questions answered!
Home loans can be confusing and mysterious, but don't worry! We're here to solve the puzzle and give you all the answers you need. Say goodbye to confusing jargon, because we'll explain everything in simple terms. Get ready to uncover the secrets of home loans and unlock a world of possibilities!
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