Frequently Asked Questions
Guidance to help you make smart financial decisions.
We combine smart technology with human expertise to deliver tailored, transparent advice. Our goal is to make the mortgage process simple, stress-free, and designed around you.
You’ll usually need proof of income, ID, bank statements, and details of any existing loans or assets. Don’t worry if you’re not sure what to prepare — our team will guide you through every step and make it simple.
Absolutely. Our advisers can review your current home loan and help you explore options to reduce your interest costs, shorten your loan term, or switch lenders for better cashback offers. We’ll make sure your mortgage continues to work for your goals.
In most cases, our services are completely free to you — we’re paid by the lender once your loan is approved and settled. If a specific situation requires a fee, we’ll always let you know upfront.
We work with a wide range of New Zealand’s trusted banks and non-bank lenders. This allows us to compare multiple options and find the best fit for your needs.
We set a minimum loan size to ensure the highest quality of service. Our approach involves assigning specialised experts to different stages of your loan process, which guarantees expert advice and timely communications. This structure, while providing significant value to our clients, comes with higher operational costs. The minimum loan size helps us sustain these standards, allowing us to continue offering dedicated, personalised service to each client.
Special Exceptions: While our policy typically requires a minimum loan of $600,000, we provide flexibility for existing clients who utilise other services, or for family and friends, acknowledging our ongoing relationships and loyalty.
When you seek advice on choosing a bank, our advisors consider several key factors to ensure alignment with your financial goals. Based on these criteria, we typically recommend two to three suitable banks and prioritise one for your application submission:
Borrowing Capacity: We look at whether your financial ambitions require a specific loan amount.
Time Sensitivity: We assess if there are any critical deadlines that need to be met.
Competitive Pricing: Our team seeks out the best possible rates, often finding offers that are superior to what you might find elsewhere.
Flexibility of Product & Terms: We identify banks that can provide the specific product or terms you need for your financial situation.
Simplicity and Efficiency: We aim to reduce bureaucratic hurdles and streamline your banking services for ease of use.
One Bank Submission: We prioritise submitting applications to one bank at a time to maximise the success rate for our clients. This strategy strengthens our relationships with banks and maintains our credibility. Additionally, it’s important to note that submitting multiple applications can lower a client’s credit rating for future applications.
Multiple Bank Exception: If your application involves unconventional income types or complex financial arrangements, we may strategically approach multiple banks to secure the most favourable outcome.
Upon receipt of your documentation, our team conducts a thorough review within 24 hours to ensure accuracy and completeness. Any discrepancies are promptly communicated to you for quick resolution. This meticulous preparation helps facilitate a seamless bank assessment.
PAYE/Sole Traders: From receipt of full documentation, we need 48 hours for internal review, followed by a 7-8 working day processing time at the bank.
Business Income: Complexity may require 3-5 working days for discussions and gathering of information, with a subsequent 8-10 working day bank review period.
Multiple Entities: Applications involving trusts or multiple companies often need additional verification, extending preparation time similarly to business income applications.
If challenges arise, we utilise feedback from the initial bank to refine the application and consult alternative banks if necessary. Our strong relationships enable a pre-application review process that greatly enhances the speed and likelihood of success upon resubmission.
Are you paying too much interest?
Let us fix that for you. Book an appointment using the form below or call us on 021 0273 5808.