Loan for Existing Home Owners, MORTGAGE to Purchase a Second Home or Rental Property

Buying your next home is often required to fit a growing family, move into a new area or purchase a rental investment property.

As with first home buyers, extending the mortgage is also a big financial decision.

It’s important to work with someone who knows the finance requirements when selling your existing property and purchasing a new property. 

That’s where I come in. As your mortgage broker I offer extensive services and consulting around the home loan process.

Services Provided to Existing Home Owners;

  • Assist with the co-ordination of buying a new property and selling your existing property in the same market.
  • Obtain bridging finance from your existing lender or from a specialist lender if settlement dates do not match up.
  • Discuss options around keeping your existing property as a rental investment if that is a goal of yours.
  • Help with finance requirements to purchase your first or second rental property
  • Review existing and new mortgage structures to ensure you are in a position to minimize interest costs over the life of your mortgage.
  • Provide competitive interest rates for your mortgage refinance and refix – and quickly compare with other lenders.
  • Provide house insurance reviews and competitive house, contents and car insurance quotes
  • Provide Personal Risk Reviews to ensure you and your family are adequately insured.

As before my services to you are free. I work as your advocate and ensure you get the best mortgage advice. I am only paid a commission from the bank once your mortgage is secured and successful.

first home buyer

My job is to walk you through the mortgage process and ensure you get the right mortgage and have a financially stable future ahead of you.

You don’t need to commit this to memory, but below is an overview of what my process looks like for first time home buyers:

Meeting and Chat

Every mortgage and loan is different, so I take the time to understand you and your situation, so we can prepare the right supporting documents for the bank

Set up for Mortgage Application Success

One of the biggest parts of my job is making sure your application is complete and attractive to the banks to approve the loan. Your application is custom built to highlight your individual circumstance and lending eligibility.

Summary and Action Steps

I get it, it’s a lot to remember. After our first meeting, I will send you a summary that you can refer to at any time, plus a list of the action points we need to take to get ready for the next step.

Home Ownership Budget

Indicative home ownership budgets will be presented along with quotes for homeowners’ insurance to demonstrate that the budgeting for a new home has been well thought out and established.

A Home Buyers Financial Assessment

There are several hidden costs that come with buying a home that aren’t included in mortgage payments. To ensure you are fully prepared for the transition, we do a financial assessment to compare your existing fixed costs and the added costs of a new home to ensure you have the right finances in place.

Options for Deposits – (Including Bridging Finance)

Second time home buyers are limited in their options for deposit funds. Often it is the equity in the existing property, plus savings which is used for a deposit.
Depending on the settlement dates, applications may need to be presented with a request for bridging finance.

Second Time Home Buyers Checklist

Buying your second home (along with selling your existing home) is a time-sensitive process with many steps. To help keep things on track, I offer a full checklist of steps and timeframes that need to be met. You will never be unsure of where we are in the process.

This is just a brief summary to give you an idea of what the process looks like to prepare for a mortgage. If you are ready to get started or want to ask a few more questions, contact me today.


    • Oliver is amazing he made the whole process of buying and selling super easy and hassle free. Would highly recommend

      Lisa Johnson Avatar Lisa Johnson
    • VERY happy with services, solutions and responsiveness from Oliver and his team. Happy to recommend him to anyone looking for financial services and advice.

      Michael Preece Avatar Michael Preece
    • We cannot fault Oliver & highly recommend his services to potential clients. We've been using Oliver for almost a decade now and always think of him first when considering our finance requirements. This 5 star review is long-overdue and have recently recommended his services to some friends who we're certain will in no doubt recommend him also. Thanks always Oliver for your support and assistance with everything, it's always much appreciated. Wishing you all the best and we'll be in touch again soon. Thank you, Ian & Grace

      Ian Barry Avatar Ian Barry
    • Oliver provides concise mortgage advice enabling you to make informed decisions during the process. I have used Oliver's services several times over the years and each time been happy with the outcome.

      Patrick Long Avatar Patrick Long
    • I gotta give a shoutout to Oliver, our mortgage broker, who absolutely killed it when it came to our mortgage application with the banks in NZ. One of us is self-employed, and we were worried about securing a mortgage as we weren't successful 18months ago with another broker. But Oliver put our minds at ease with his expertise. He was super responsive and kept us updated throughout the process and give us hope of buying our first home. He even took the time to answer all our questions (and trust me, we had a lot!). In the end, Oliver secured us the home lone with the bank and found us an amazing rate that totally exceeded our expectations. We couldn't be happier with the service he has provided. If you're looking for a mortgage broker who's professional, reliable, and just all-around awesome, then Oliver is your person. Seriously, give him a call - you won't regret it!

      suchit kaushal Avatar suchit kaushal
    • I 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 Marshall Avatar Hanna Marshall
    • 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 Jobin Avatar cassandra louise Jobin
    • Oliver was fantastic and stuck with us through a very long process.

      Craig Hurley Avatar Craig Hurley
    • Oliver was unbelievable in helping us buy our first home. He was there every step of the way and was on hand to answer any questions we had. I don’t think we would have gotten our home without his help. Really nice to work with, highly recommend him.

      Shane Chambers Avatar Shane Chambers
    • Oliver 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 Garman Avatar Lis Garman