MortgageEmpire
Our home loan platform provides mortgage advice and access to expert lenders to make sure the entire mortgage process goes as smoothly as possible. We can tailor your mortgage options to suit your specific needs, no matter what stage of the property ladder you’re on – if you’re a first home buyer or restructuring an existing mortgage, we’ve got you covered.
What We Offer
Expert Mortgage Advice
Navigating the property and mortgage market can be tricky and overwhelming if you go it alone. That’s why a mortgage broker’s helpful advice is invaluable when trying to negotiate the New Zealand property market.
A mortgage doesn’t have to dictate your everyday life; our mortgage brokers work with clients on their individual needs, from obtaining an initial mortgage, to refinancing or restructuring your current mortgage, through to helping clients invest in property and building sustainable property portfolios. Our mortgage brokers cater to these varying needs so that you can make decisions quickly and easily about your mortgage journey.
How we work with you
First meeting
Book a time with one of our mortgage advisers to grab a coffee and share your goals and objectives.
Gather info and crunch numbers
You provide us with relevant documents and info, we’ll run some analyses and figure out how to get to your goal.
Recommendations and lender allocation
We present our specialised recommendations to you and submit your application.
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
Embarking on your first home loan can be an intimidating undertaking, but getting mortgage advice from reliable mortgage brokers is a great place to start. Whether you’re looking to buy your first home or upgrade to something better suited, it’s important to plan ahead and get savvy about mortgage products and home loan advice. We simplify the process by removing the jargon (read our FHB Survival Guide) and exploring all the options available on the property and finance market. Click here to book a time with one of our First Home Buyer experts.
How much can I borrow?
This completely depends on your income and how much you can put down as a deposit. We’ll start by looking at your current situation, and then together we figure out how far you can go. We’ve heard of the ‘multiply by five’ rule, which means you multiply your income by five to get your borrowing capacity. This isn’t always true, so it’s best to get in touch!
What’s the most common mortgage type in New Zealand?
It’s called a Table Mortgage. This is a 30-year term on principal and interest repayments. In the first 20 to 21 years of the mortgage, interest is dominant. At the back end of this 30-year mortgage is where you can pay off the principal. There are of course other ways you can pay off your home loan quicker, but learning the basics is a good start.
Why should I use a financial adviser?
By using an adviser, you have access to the entire market and always have someone in your corner. It’s our job to make sure you have the right strategy and structure for your future, and get you in the best possible position for success.
How do you charge?
For the most part, what we do is free! It depends on what we will need to do for you. All fees will be communicated upfront, so there’s nothing sneaky. The first meet-up and chat is free, so all you need to do is reach out.
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
Assist you every step of the way
Refinancing and Restructuring
Owning a home is an incredible experience – there’s no better feeling than turning the key and knowing that it’s all yours. But for many, mortgage debt can feel like a big burden. If mortgage payments are right on the edge of what you can afford, changes to things like interest rates can feel like major blows. Our team of mortgage brokers can help you with restructuring and refinancing to make your mortgage work for you. Click here to book a consult or read more about refinancing and what it means.
Why should I review my mortgage?
If your lifestyle has changed, so should your mortgage: Whether you've started a family or retired, ensure that your mortgage is structured in the most advantageous manner to meet your current requirements.
Interest rates have changed: As interest rates have stopped declining, it's now imperative to act.
You've been on interest only: If you've been on a period of interest only which expires soon and the bank won’t allow you to go interest only again
What are the benefits of reviewing my mortgage?
Obtain the most favourable interest rates possible: Even a small reduction in your interest rate can have a significant impact on your monthly payments, freeing up funds for the things you desire, not to mention enabling you to pay off your mortgage more quickly.
Adjust your mortgage to suit your current lifestyle
Save tens of thousands of dollars over the life of your home loan: We're not talking chump change here. We're talking significant savings that can add up to tens of thousands of dollars. A review is free of charge but could result in substantial savings. Get in touch, let's see what we can do!
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
Making investment decisions can be a daunting task, but it’s an important part of any financial journey. Purchasing an investment property requires some knowledge and know-how, but you don’t have to be an expert to get started – with the right guidance and advice, anyone can become a savvy investor. With the right advice from our investment mortgage brokers and a bit of effort on your behalf, you could soon be well on your way towards making great investments that will set you up for success in the future. Click here to book a time to discuss your options.
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
Having access to mortgage brokers who understand the development process can be a lifesaver. Our team can help organise external lenders who will not only be there to assist but know how to do so, confidently and securely. We want to give you peace of mind, so you can take those necessary steps in expanding your property portfolio with confidence. Whether you’re a big-time property developer or a mum and dad looking to subdivide your section, we cater for all opportunities. To book your consult now, click here.
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
When the big banks won’t accept you for whatever reason, a mortgage adviser can help provide alternative solutions. With access to second-tier or non-prime lending options, your mortgage adviser can provide guidance on the right course of action in order to make sure your mortgage application is handled with care and consideration. It’s important to remember that not everything they tell you is gospel, especially when it comes to alternative lending options – there are options outside of what the mainstream has to offer and it doesn’t have to be expensive. Click here to book a free consult with one of our experts.
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
Maximise your budget and minimise your stress.
Whether you’re a first-time homebuyer or a seasoned homeowner, we’re here to provide personalised advice and support tailored to your unique needs. Contact us today to schedule a consultation and let’s discuss how we can help you secure the best possible mortgage for your situation.
Success Stories
Check out the testimonials
Finance and Property NEws
Home Loan resources and support for every situation
Whether you’re a first-time home buyer or a seasoned homeowner, our blog is filled with valuable information to help you navigate the complex world of mortgages. From tips on finding the best mortgage rates to advice on refinancing your current loan, our blog has everything you need to make informed decisions about your home loan.
Interest rates: What’s happening with them? What affects them?
Mortgage interest rates are in the news when they’re low - and even more so when they’re high. However, what feels high - at the moment - might not be as dramatic as you think. Yes, it does feel as though rates have recently moved significantly from one extreme to...
Mortgage Calculator
Use this tool to calculate your monthly mortgage payments based on your nominated interest rate and mortgage term. Compare these repayments based on either a Principal and Interest or Interest Only repayment method.