Next Home Loans
Don't make big decisions alone. Take the step towards your next home with your adviser by your side.
Your home loan is a large and often long-term financial commitment, so it makes sense to get it right the first time. What’s right for you will depend on a range of factors including the size of the loan you require, the property you intend to purchase, your other financial goals, the deposit you have and your lifestyle.
I will help you gain a good understanding of the types of loans available, the home loan process and what the banks require to approve your loan application. As a Loan Market adviser, I have access to a wide range of banks and secure mortgage lenders, so you can be sure the home loan you choose is competitive.
We compare and negotiate competitive interest rates.
We have access to NZ's widest panel of banks and lenders.
We can help you tap into your KiwiSaver.
We're the largest group of Mortgage Advisers in New Zealand.
FAQs for Home Buyers.
We’ve got your questions covered.
What happens to my mortgage when I move house?
Generally you have two options for switching your current loan. You can either refinance with the same lender (or a new lender) or pay out the existing loan and take out a new one with your new property. We can help you determine what you can afford and which option may be right for you.
How does a bridging loan work?
As the name suggests, a bridging loan ‘bridges the gap’ between two home loans. The lender you choose takes security over both properties and lends against these properties until the sale and purchase process on both is complete. During a bridging loan period, your home loan will generally be charged as an interest-only loan. Many lenders offer interest rates comparable to the standard variable rate, or only slightly above. Click here to learn more about bridging loans.
When should I fix versus going variable?
If you are considering fixing your home loan but don’t know when to make the move, the lowest fixed home loan rates are generally available when variable interest rates are between three and nine months off hitting their bottom. Keep in mind that there are often specials available on fixed home loan rates that may also make this option more attractive to you. If you require certainty of mortgage repayments, fixing all or part of your home loan is certainly an option worth considering. Your mortgage adviser will assist you in finding a suitable fully or partially fixed home loan rate with the right structure at any time you need one.