Helping You Get Into Your First Home

Your bank can only provide details on their own products and service. We can see what your bank is offering to other customers and can provide a range of banks and lenders with just one set of application forms. We are not a 9-5, Monday to Friday services, we work for you 7 days a week and ongoing after you draw down your loan. So talk to us first for a far higher level of service than going direct.

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No we don’t. We give you fair and impartial advice based on your personal situation. We have to adhere to strict guidelines set down by the Financial Markets Authority to ensure we put your needs first.

As there is a big demand for our service, we are unable to provide a mobile service at this stage as we are more effective being based in the office. We can see you during work ours at our Wellington office on week days or we are available 7 days by phone and email. Skype and Facetime is also an option.

Yes we can help you 7 days a week via email, fax and telephone and face to face. You can contact us on 0800 000 518 to see how we can help you. We love outside the square situations too!

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We sure can. We can help you through the entire process of finding a home, getting finance and then purchasing your new home. We can put you in touch with other professionals, such as lawyers, that can help you to buy your new home.

Being brokers and advisers, we do not set the rates. The bank or lender does. We will always negotiate the best rate possible with the bank or lender. We see rates on a daily basis that are not advertised. Banks also have ‘gimmick’ employee packages which may not actually be the best deal for your situation. For example a bank having a company employee discount off floating of .50%, however their standard floating rate is .50% higher than the other banks! We cut through the sales gimmicks to give you unbiased advice and the best possible deals for your situation. Often we can negotiate better than ‘package’ discounts including Government.

For outside the square lending for adverse credit and low/no doc there may be a premium on the interest rate charged by the lender to account for the risk.

We are self-employed ourselves and understand the challenges of getting a home loan when your affairs are set up to minimise tax or you don’t have up to date financials. So we can talk you through the options that will help.

These are loans backed by Housing New Zealand and available via certain banks. Minimum deposit is 10% amongst other criteria around income and price caps in certain areas. Welcome Home Loans are useful if banks' supply of low deposit loans are limited due to Reserve Bank restrictions. 

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For most of our day to day business the insurers, banks and lenders pay us a commission/brokerage when you draw down a loan or take out a policy. So usually our service is paid for by the lender/insurer. The banks/lenders/insurers pay us a commission because we are a cost effective way of introducing business to them and we do all of the initial work of introducing you to them.

There are rare times we do charge a fee; this may be to cover work done whereby we do not get paid a commission by the lender. Fees are always agreed upfront, if charged at all. Situations that may incur a fee are:

• A bit outside the square such as bridging finance (sometimes) and asset lends
• A lender that doesn’t pay us brokerage that we used as your situation is ‘outside the square’
• Commercial finance, sometimes personal loans
• Caveat loans, development finance, business lending

We would always discuss any fee up front and payment is often made when a loan is drawn down unless otherwise stated.

Please remember that you can contact us at any time on 0800 000 518.

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If you are a first home buyer (or Housing NZ approved 'second chance' buyer) and have been in the scheme for at least 3 years, you should be eligible to use your KiwiSaver funds excluding the $1,000 Kick Start. You may also be eligible for the Housing New Zealand HomeStart subsidy (between $3,000–$10,000).

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We can obtain finance from as little as 5% depending on the circumstances. Ideally you will have at least 10% or 20% which will make the loan cheaper and easier to get and improve your borrowing power. Gifts and family guarantees can also be part of the deposit.

Using a parent or family member's equity can be a good way to help pull together a deposit. The guarantor does need to have a sound financial position and prove they could service the guaranteed portion of the loan on top of their existing financial commitments. 

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Whether it’s your first home, investment property or you are upgrading, before you head out house hunting you need to determine exactly how much you can afford. We get this for you in writing so you know exactly what the boundaries are in terms of loan amount and conditions attached to the loan offer.

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There are many factors which determine this including age, dependents and debts you have. The percentage deposit you have is the first key factor. If you have less than 20% deposit, then approximately 3-4 times your annual salary is a guide to loan size. If you have a 20% deposit, it could be 5-6 times your annual salary just as a guide.

Please click on the below link to work out repayments.

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The best place to start is with your Craig Pope Mortgage Adviser. Find out your borrowing power, we help with the forms, KiwiSaver, HomeStart and getting pre approved. Then get guidance from us on the house buying process, placing offers and working through to an unconditional stage. Then we help negotiate rates and give you a personalised mortgage reduction plan.