Home Loans
Feeling lost in the maze of mortgage options? It’s easy to get overwhelmed by the home loan choices out there. Fixed rates, variable rates, low-doc loans, cashback offers… it’s enough to make your head spin! That’s where Oliver Broomfield Mortgage & Insurances comes in.
We understand that your home is more than just four walls and a roof – it’s a significant investment in your future. That’s why we take a personalized approach to finding the perfect mortgage solution for you. Whether you’re a first-time buyer, looking to expand your property portfolio, or interested in building your dream home, we offer tailored mortgage solutions designed to suit your unique financial situation.
With extensive expertise and knowledge of the local market, Oliver is here to guide you through every step of the home loan process, ensuring you make the best decisions for your financial future.
Securing a home loan with competitive rates can make all the difference in the long term. We work closely with New Zealand’s top lenders to provide you with the best possible rates for your mortgage.
By comparing a wide range of lenders, including both major banks and non-bank lenders, we ensure you get the best Takapuna mortgage possible—one that fits both your short-term budget and long-term investment goals. Our team leverages strong relationships with lenders to help you avoid unnecessary fees and penalties, so you can maximise your returns.
Securing the right home loan is essential for achieving your property goals, whether you’re a first-time buyer, existing home owner who upsizing or downsizing an investor, or building a new home. We offer expert advisory services to help you navigate the various home loan options available in New Zealand.
If you’re looking to build wealth through property investment, we can assist you with investment home loans that offer flexibility and tailored repayment options to suit your cash flow. Interest-only payments are often available, freeing up capital for additional investments. We’ll help structure your loan in a tax-efficient manner to reduce financial liabilities and maximize potential returns.
Buying your first home can be overwhelming, but we’re here to simplify the process. We provide support for pre-approval and can help you access government grants such as KiwiSaver HomeStart. Our advisors will guide you through the first-time home buying mortgage process, ensuring you understand your options and make informed decisions.
Planning to renovate and increase the value of your property? Our team can guide you through securing a home improvement loan. These loans fund upgrades like kitchen renovations, room additions, or other modernisations. With flexible terms and stage payments, we’ll ensure your renovations stay on budget and on time, potentially boosting resale value or rental income.
If you’re planning to build a new home, we can assist with new build home loans specifically designed for construction projects. These loans offer flexibility, with funds released at various stages to match your project’s progress. In some instances you can pay a 5-10-%deposit upfront with no more payments until settlement. This is attractive for those with ongoing rental costs. Interest-only repayments are often available during construction, transitioning to a standard mortgage once the build is complete.
Understanding investment home loans can be overwhelming, but with Oliver Broomfield on your side, the process becomes straightforward and stress-free. Here’s how we make that happen:
The required deposit is typically 20% of the property’s value, though lower deposits of as little as 5% can sometimes be accepted, especially for first-home buyers with KiwiSaver support. We’ll assist you in exploring your deposit options to maximize your chances of loan approval.
Some home loans allow extra payments without penalties, helping you reduce the principal faster. However, fixed-rate loans may come with restrictions or fees for additional payments. We’ll help you choose a loan with repayment flexibility suited to your financial needs.
If you default on your loan, the lender may impose penalties or, in severe cases, initiate foreclosure on your property. We work with you to structure a loan that ensures you can comfortably manage your repayments and offer advice if financial difficulties arise.
Yes, refinancing allows you to switch to a different lender or loan type, often to secure a lower interest rate or better terms. Our advisors are always available to reassess your loan and provide refinancing options when beneficial.
Home loans often come with fees such as loan application fees, legal fees, or break fees if you pay off a fixed loan early. We provide full transparency and help you account for all potential costs before committing to a loan.
Oliver was excellent in helping us purchase our very first home. Oliver is very approachable, has great knowledge and very welcoming. Oliver was great at answering our questions and making sure he was available to us if we needed to ask anything. I would highly recommend Oliver if you are in Auckland.
cassandra louise JobinMe and my wife Rebecca had the opportunity to work closely with Oliver when purchasing our first property. We had already done some research and Oliver came highly recommended to us. Straight from the outset Oliver put us at ease! something which was so important as we started our process of being first time homeowners!. Throughout the course of the coming weeks and months Oliver was always on hand to guide us in the process and we felt completely assured step by step. Oliver was highly knowledgeable, experienced and professional and we can't thank him enough for all his guidance! he was outstanding and any question or concern we may have had he quickly put us at ease. We would highly recommended Oliver for any mortgage and insurances queries.
Jess IbromI recently purchased my first home. It took 8 months to find the right house in the current market. Oliver patiently assisted me through the entire process. I found Oliver to be extremely knowledgeable, helpful and was very prompt on communication with the many queries I sent to him. I highly recommend his services.
Hanna MarshallWorking with Oliver was great! We felt like we had constant support throughout the journey, which is quite overwhelming for a first home buyer. We would highly recommend working with him.
Chris MorganOliver helped me with every step of my first home purchase. He's very responsive and helpful. Definitely saved me a lot stress and work 🙂 I'd recommend to anyone looking to purchase a house.
mejsnarpAnyone who asks for help with Mortgages, I happily give Oliver's name! I am so very grateful for his help last year getting some stability with our home. He was extremely professional and very patient helping me with anything I was not sure on during the process. I highly recommend Oliver. Oliver thankyou so so much for all your fabulous work helping me and the kids secure our future! aka V Evans
ness LHighly recommended, top quality advisor - very happy with the result. Oliver was able to provide multiple loan options for us to consider which gave us valuable choices and comfort levels and enabled us to make the best decision.
Steven HoldenOliver has worked with our family for over 20 years and we will continue to use his expertise well into the future. He has personally help me purchase my first home and rental investment, and always finds us the best interest rates every time we refix. Oliver is your go to guy when it comes to buying property and I can't recommend him enough.
Lis GarmanOliver brought our dream to reality. He is amazing.
Iran LoverOliver was fantastic and stuck with us through a very long process.
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