Property Upgrade

If you have an existing mortgage and want to understand how a new interest rate or different loan amount could affect your finances, you can speak with us first. 

Together, we can review your financial position and help you understand how changes to your mortgage may impact your cash flow and overall finances.

There are times where keeping an existing mortgage might be an option, such as when you’re borrowing a similar amount and your current interest rate is different from what’s available at the time of purchase. 

If you’re considering transferring your mortgage to a new property, we can help you understand the process and what’s involved.

We work with a range of lenders across New Zealand. Whether you are looking to increase your borrowing or arrange a new loan, we can approach lenders on your behalf as part of the application process.

Our advisers help you compare mortgage options to help you make an informed choice based on your individual circumstances and needs.

If you are buying before selling, bridging finance may be an option. This is a short-term financial solution. Often, you’ll start to pay the mortgage on your new home and make interest-only payments on the bridging portion until your existing property is sold. 

Both properties are generally used as security. As bridging finance can add additional cost to your finances, it’s important to speak to an adviser about whether this option is suitable for your situation.

If you’re building a new home, chat to us about construction lending. These loans differ from standard mortgages and are usually paid out progressively, throughout different stages of your build.