NEW ZEALAND MORTGAGES AND HOME LOANS
A home loan is one of the biggest investments you will make, but it's also one of the most important financial opportunities.
At Switch Home Loans, we see home loans as a two stage process. First, we find the best mortgage for you, your family and your lifestyle, and then we help you use this investment as a way to secure your future financial security.
A home loan will always involve big numbers that give the impression it’s a debt needing to be paid off quickly. This is a great goal to have if it's realistic and fits with your lifestyle.
Looking longer term, starting with the best mortgage possible is just the start and your home can help you achieve your life and financial goals whatever they are, such as for your family, to travel, investment or business.
This approach is all about balancing your mortgage with enjoying your home, your life and achieving ambitions, all at the same time - a good approach for a country that loves to live life to the full.
We are passionate about property, but we are equally passionate about helping you maximise the investment you’ve made in your home, in the best way possible.
If you are interested in talking about the possibilities your NZ home loan could provide, we would love to buy you a coffee.
Can I use my KiwiSaver to buy my first home?
Yes you can providing you meet certain conditions such as being a member for at least three years. Using KiwiSaver is a very popular way to help build a deposit and we can talk you through how to do it using the First Home Grant.
How much deposit do I need?
For most lenders it’s 20% of the home’s value however, there’s some good news. Under the First Home Loan scheme a minimum 5% deposit is required, as long as you meet the criteria. There are also lenders we know who allow a 15% deposit. We can tell you about all the options.
Why should I use a mortgage broker instead of going straight to a bank?
We deal with a wide range of lenders, including the well-known banks, so we are able to provide choice, as well as negotiate a better deal wherever possible. We also have a lot of experience so will be able to provide the best advice, whatever your circumstances.