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Home Loans New Zealand

Home Loans New Zealand – Expert Mortgage Advice

Looking for Home loans New Zealand? Contact us today for personalised advice and find the mortgage that’s right for you.

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Our Home Loan Services in New Zealand

Navigating the home loan market in New Zealand can be challenging. With a variety of banks, lenders, and mortgage products available, finding a home loan that suits your needs requires expert guidance. At Mortgage and Insurance New Zealand, we specialise in helping Kiwis across New Zealand access the right mortgage solutions — whether you’re a first-time buyer, looking to refinance, self employed, or investing in property.

Using our professional advice ensures you understand your options, avoid costly mistakes, and secure a mortgage tailored to your financial situation.

Our Home Loan Services in New Zealand

We provide a comprehensive range of services to make your mortgage journey simple and stress-free:

1. First Time Home Buyer Loans

Buying your first home is exciting, but also overwhelming. We guide first-time buyers across New Zealand to secure suitable Home loans New Zealand by

Our team helps first-time buyers across New Zealand secure suitable home loans and understand the entire process from start to finish.

2. Mortgage Refinancing and Reviews

Interest rates change, and life circumstances evolve. Refinancing your home loan or reviewing your current mortgage could save you money and offer better terms.

  • Compare existing loans with market rates
  • Find lower interest rates and better repayment options
  • Consolidate debt if appropriate

We assist clients across New Zealand in refinancing home loans to reduce repayments and improve financial flexibility.

3. Investment Property Loans

Investing in property requires the right mortgage strategy. We help investors in New Zealand access competitive Home loans New Zealand for investment properties by:

  • Expert guidance for property investors
  • Analysis of cash flow and repayment options
  • Connections to lenders offering investment loans

Our team supports property investors in New Zealand to access competitive home loans tailored to investment needs.

4. Self-Employed Home Loans

If you’re self-employed, securing a mortgage can be more challenging due to variable income. We specialise in helping self-employed Kiwis access Home loans New Zealand by:

  • Assessing income using financial statements and tax returns
  • Finding lenders experienced with self-employed applicants
  • Tailoring repayment options to your business cash flow

We help self-employed clients across New Zealand access home loans that suit their unique income situations.

5. Personalised Mortgage Advice

Every Kiwi’s situation is unique. We provide advice on Home loans New Zealand that considers::

  • Income and expenses
  • Short- and long-term financial goals
  • Risk tolerance and lifestyle preferences

Receive personalised mortgage advice across New Zealand to make informed decisions about your home loans

Why Choose Us for Home loans New Zealand

  • Expert Guidance: Andre provides professional support for clients across New Zealand.
  • Wide Lender Access: Andre works with multiple banks and lenders to find the right mortgage.
  • Transparent Process: Clear advice at every stage, with no hidden surprises.
  • Tailored Solutions: Whether you’re buying your first home, refinancing, or investing, Andre will find solutions for your needs.

Frequently Asked Questions About Home loans New Zealand

Q: How much can I borrow for Home loans New Zealand?
A: Borrowing depends on your income, expenses, deposit, and credit history. We assess your situation to find the most suitable mortgage.

Q: Can I get Home loans New Zealand as a self-employed person?
A: Yes! We specialise in helping self-employed Kiwis get approved for mortgages by reviewing financial statements and finding suitable lenders.

Q: How do I refinance my mortgage in New Zealand?
A: Refinancing involves comparing your current loan with market options. We guide you through the process to reduce repayments or improve terms.

Get Started Today

Ready to find the right home loan in New Zealand? Andre Stokes our mortgage specialist is here to provide expert advice tailored to your needs.

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Andre is amazing to deal with. Very prompt and efficient! Great with communication and knows what he's doing!  Would recommend to anyone wanting their first home or sorting their mortgage! 
Melissa Henderson
100% would recommend Andre. Thanks to him, my partner and I bought our first house. He was so helpful. Gave us all the information that we needed. Communication with Andre was great. Always got back to us with promptly.Thank you Andre for making our first experience to buy our first home so easy and enjoyable.   
Kat Poutu
Andre is awesome! Helped us through the madness of buying our first home, professional, knowledgeable, responded quickly to our questions and he has a great sense of humour. From Anton and Jess....  A BIG THANK YOU!!! 
Anton & Jess Atkins
Awesome service. Great communication. Highly recommended Andre if your looking for a good mortgage broker
Cara Healy
Amazing service. Thank you Andre!! Andre helped us get into our first home then recently another loan. He made the process so easy even though my wife & I did not no much about the process at all. Andre knew how to speak our language & he related to us well. He made sure we understood everything we signed & was very patient with us. Never made us feel like we were a burden.
Samuel Donaldson
I have used Andre’s services over the past five years and in that time he has been a huge help to myself and many friends and family who I have referred. He continually goes above and beyond to ensure great results and has been successful every time. I purchased property whilst overseas and he made this complicated process go smoothly with his skilled and friendly approach. Andre’s vast knowledge has helped me with ventures as a first home buyer and residential investment, through to formulating complicated proposals for a renovation and relocation project. I easily trusted him to sort all of my home and construction insurance. He was also a fantastic contact while I was in commercial sales as he was always readily available for my clients. His turnover time for work is outstanding. I couldn’t recommend a more talented and proficient broker than Andre and his company Mortgage & Insurance New Zealand.
Paul Budd
Andre is so great to work with, awesome service. Thanks Andre Stokes
Leia Cree
Andre has been my broker for over 5 years now and provides an excellent service
Robbie Whiteman
We have been with Andre for over 12 years and he has been there for all our mortgage needs with easy email reminders when any fixed rate needs reviewing and getting us the best rate out there, Top bloke ! Way easier than dealing with banks.
Craig Mullan
Service & knowledge is outstanding. Always delivers the best results. Highly recommend!
Oliver Friedlich
I appreciate the efficiency, the availability and genuine concern expressed by our Broker Andre Stokes. Nothing is ever too small or complicated for him to act on our behalf and take away the stress of paperwork involved with our insurance premiums and several claims this year.
Yvonne Buchan
Never had an easier experience than with Andre! Nothing is ever an issue, and he's there 24/7! Definitely comes with a high recommendation.
Nick Clasper
Andre is very helpful.
Kalarathan Kandiah