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Mortgage Advice

Searching for the right home loan for your needs? Here's how we can help.

We negotiate on your behalf
As your adviser, we're focused on getting the right fit for your needs. We work with a range of lenders and are focused on securing a mortgage that works for your individual circumstances.

We help you secure the right structure for your goals
Setting up the right mortgage structure for your needs is key. We help you consider your short and long term goals to determine a purpose-fit structure for your needs.

We take the hassle (and stress) off your plate
From application to settlement, we're in your corner, saving you time and taking the hassle of paperwork and process off your plate.

Expertise at no cost to you
Usually, there is no charge for our advice service (we are remunerated by your chosen lender on settlement - view our disclosure for more). Our time and expertise is at your service. 

Plan-ahead with our quick Mortgage Repayment Calculator

Have a house in mind? Like to start getting an idea of what repayments might look like?

Try out out quick mortgage calculator for your initial planning and get in touch to start fine tuning your mortgage finance options and needs.

A note about our calculator
This repayment calculation is based on the interest rate you choose. Lenders may use a different interest rate when assessing your ability to meet your loan repayments.

Loan Amount
Deposit
Interest Rate
Loan Term
Monthly Repayment$NaN
Total Interest$0.00
Total Principal$0.00
Calculate
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We work with a large range of lending lenders

Every home or property buyer is different, so we've ensured that we have access to a wide range of lenders. Scroll below to view our panel.

Mortgage Advice For Each Step on the Property Ladder

From first home buyers to seasoned property investors, we're here to help with quality mortgage advice. It all starts with a good conversation about what you want to achieve, and how we can help you get there.

First Home Buyers

Buying your first home - it certainly is exciting, but also a bit daunting. We’re here to help you learn the ropes - structuring your mortgage for your needs, application time, getting pre-approval sorted. Each step of the way, we're here to help you take your first step on the property ladder.

Refinance

Are you reviewing your mortgage? Whether it's getting a sharper interest rate, consolidating debt, or borrowing money for renovations etc, we can help you determine whether refinancing is right for you, and if so, the new mortgage structure that's right for your short and long term goals.

Property Investment

Looking at your first investment property? Or perhaps you have a growing portfolio. From standard home loan structures, through to more complex structures that work for your gearing, tax*, redraw and other requirements, we’re here to help you define the solution for your property investment needs.

Self-Employed

Fluctuations in cash flow and required documentation have long been difficult barriers for self-employed people seeking mortgage finance. But today, many lenders have solutions specifically designed to help make home ownership a reality for Kiwi business owners. Get in touch to find out more.

HOW WE WORK

FAQs | Our Mortgage Advice Services

  • Why is mortgage advice valuable?

    There are many reasons - but most importantly, a mortgage adviser is expert at helping you carefully consider what your short and long term goals are and how to structure your loan accordingly. And of course, you have access to our relationships with lenders, knowledge and expertise, not to mention sharp negotiation skills when it comes time to talk interest rate.

  • Do you charge for mortgage advice?

    Usually, we are paid a commission by the lender once your loan has settled, and do not charge fees. However, a fee may apply in certain circumstances and we encourage you to view our Disclosure Statement here for full information on our remuneration.

Testimonials

Fantastic service, professional team. A family run business that will always work with your best interest at heart!
Faieka Cassiem
Shane has guided me with all avenues when it comes to KiwiSaver and my 1st home purchase. Shane is very knowledgeable and has an excellent appreciation for your needs when it comes to your insurance!
Rhys Pemberton
Myself and my partner had been dreaming of landscaping our backyard for years. We requested a loan top up through multiple mortgage brokers and were turned away. We found that none of these mortgage brokers actually took the time to listen to us and appreciate our situation. We were probably too much work for them for not enough reward. My last hope was Brad Whitford from Discovery Financial Services. I made contact with him late one evening and he replied within half an hour and asked me to give him a call. Brad really listened to us and asked a lot of questions about our situation to get a very good understanding of our financial position. Brad went over and beyond to secure our loan top up when other mortgage brokers told us it was impossible. He was outstanding with his communication throughout the entire process. Thank you Brad for helping make our dream come true. I will be recommending Brad to everyone I know. 5 stars!
Justin Horsfield
Fantastic! Shane is someone who really wants the best for his clients Highly recommended.
Jono Frankle
Jason is a good man and a great Insurance Adviser, I trust his thoughts and feedback 110%.
Azza Martin
Shane helped me a lot with my insurances and Kiwisaver. He is very professional and knowledgable. I highly recommend him.
Steven Matthew
We have been very impressed with the service received from Bradley. Our only regret is not engaging him sooner. He helped us get a deal over the line that we didn't think was possible in such a short timeframe. He kept us very well informed and provided great advice throughout the process. We look forward to working more with Bradley in the future and have already recommended him to others.
T & O
Shane has been very helpful, excellent communication & advice. Have already recommended him to my extended family.
Shane has been brilliant helping me with the claim process. We have the claim submitted and turned around very quickly and the benefit paid out. We wouldn’t of had this done so quickly and easily without Shane’s help.
Jason has taken the time to go over our insurance needs and has provided us with great options and advice. He was able to help get our cover issued and in place and we are very happy with the outcome. Highly recommended.
I highly recommend Jason from Discovery Financial Services. We have had a great experience working with Jason with our personal insurance. Jason is helpful, thorough, efficient and a pleasure to deal with.
Shane has provided great customer service and communication. He is always there when we need him and couldn’t recommend him enough.

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