Home Loan Empire

We do new purchases, investment, refinancing, developments, and restructuring. We help you get into the property you want, when you want. Own your future.

What We Offer

Home Loan platform

Getting on the property ladder has become part of living the Kiwi dream, and very few of us will take on a bigger debt than a mortgage in our lives. No matter the age or stage you’re at with home buying or investing, a home loan doesn’t need to dictate your day to day life. 

Whether you’re saving up to buy your first home, trying to save on the amount of interest you pay by restructuring or refinancing your mortgage, or looking to invest in property, our home loan platform caters to it all.

Home Loan process breakdown



The initial meeting is where we get to know your goals and objectives. We make sure to build a relationship with you, establish trust, and chat through facts.



This is where we get all of the info and docs from you. We crunch the numbers, run some analyses, and figure out how to get to your goal.



We present our specialised recommendations to you. Together we make a plan of attack to get you to where you want to be, no matter the timeline.



Your application is submitted, the plan of attack is ready to go. We provide constant updates along the way, so you’re never in the dark and all of your questions are answered.



We have confirmation from the lender. This is where we discuss approval, conditions, recommendations, and the settlement process. Here you get everything you need to get to the next steps.



It’s our job to give you the best possible scenario. We provide up to date advice on loans, fixed rates, maintenance & restructures. We do all the hard work so you don’t have to.

We want the whole process to be as easy as can be so you can focus on the fun parts of buying a house!

First Home Buyers

The housing market can seem daunting to anyone entering or re-entering their property journey. Buying your first home or upgrading to a new home is a massive undertaking, and something that requires a heap of planning and saving. We simplify the process, remove the jargon, and give you the best opportunity to get to where you want to be.

Together we can:

Determine your deposit and how much you can afford


Find the lender that best suits you and your situation


Secure the tailored interest rate for you and your situation


Structuring the mortgage to fit your needs

Refinancing and Restructuring 

Owning your home and having debt on your back can be stressful, and it’s more than likely your money situation will change throughout the time of the loan. We want to make sure your home loan doesn’t own you.

Our options for you:

Structure the mortgage to suit your needs


Adjust the term and repayment method to save money on interest


Help you understand your exact financial situation and plan for unforeseen events


Not pay any more than you need to on your home


Discuss the finish line, you don’t want a mortgage forever

Investment Property

Sometimes taking the next step in your money journey involves securing an investment property. Whether it’s your first investment property, or your tenth, another property purchase will involve a heap of financial jargon and lingo. Make this next step a reality for you.

Investment property support includes:

Figuring out how much you can borrow or lend against


Working out what returns you will receive and what you will need


Using equity to buy a home


Securing a loan with the lowest rates that fit your lifestyle


Working out the term and repayment methods inline with your financial strategy


Principle and interest vs. interest only payments

Development Finance

Buying land and developing a home involves capital and equity, which not everyone has from the get-go. Using a credible and secure set of external lenders, we can help organise this for you, so you can take the next step in your development empire. 

Whether you’re a big time property developer or a mum and dad looking to subdivide your section, we cater for all opportunities.

What we do:

Work through the project costs


Source finance tailored to your outcome


Provide knowledge and experience from being involved in development

Second-Tier or Non-Prime Lending

We can offer second-tier or non-prime lending for out of the box criteria. Not everyone fits the big banks, and not everything they say is gospel. There are options when a bank says no to you through alternative lenders that our advisers have access to.

This type of lending works for people who are:

Newly self-employed


Bad or adverse credit history


Late payments on debts


Bank has said no to you previously

Ready to build your empire?

All you need to do is send us a message and leave the hard work to us.

Our Blog

Read more on Home Loans

Beyond The Field Podcast

Tune in to our podcasts on home loans and more

We created this podcast to help answer some commonly asked questions from our clients and hopefully bring some different thinkers into your day to day life.