Building or Renovating


How to get a mortgage for a New Build, Construction or Renovation Loan

We specialise in mortgage finance for all types of build loans for both owner-occupied and rental investment properties.

We have worked with many individual builders and franchise build companies throughout Auckland and understand how they operate.

We will walk you through each step of the build process and explain:

How each type of build loan is funded – 

  • Buying off the Plans & Turn-Key Build Contract
  • Land and Build Contract
  • Labour Only Build Contract
  • Renovation Loans
  • Re Clad loans

How the flow of money works – 

  • Land deposits
  • Build Contract deposits
  • Off the Plans & Turn-Key build deposits
  • Progress Payments & progress payment invoices
  • Final Payment requirements
  • How to minimise costs during the build

What information the banks will need for a build loan – 

  • Sale & Purchase Agreement
  • Build Contract & Builders Risk Insurance
  • Consented plans, permits, and specifications
  • Registered Valuations
  • New Title for the land
  • Code of Compliance for the build

What Types of Mortgages are Provided – 

  • Back My Build
  • Blueprint to Build
  • Deposits secured against existing property
  • Interest Only Progress payments
  • Interest Only mortgages for land purchase

The best part is my services to you are free.

I work as your advocate and ensure you get the best advice and mortgage for your situation.

I am only paid a commission from the bank once your mortgage is secured and has successfully advanced.

This is just a brief summary to give you an idea of what the process looks like for building a new home, building, and rental investment property, or renovating. If you are ready to get started or want to ask a few more questions, contact me today.

first home buyer

My role is to walk you through the mortgage process, 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 building or renovating your new home:

Meeting and Chat

Every build or renovation proposition 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. Particularly with new builds & renovations loans. Often pre-approval is sought upfront to ensure funding is available for the project prior to undertaking completion of plans and apply for building consents.

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 building and renovating that may need to be financed. To ensure you are fully prepared for these costs we do a financial assessment to ensure all costs are included and then ensure you get the right finances in place.

Options for Deposits

First time home buyers are in a unique situation to utilize many different options to raise funds for a deposit. This includes grants, kiwi saver, family guarantees, and much more. I will ensure no stone goes unturned to find the best deposit option for you.
Existing homeowners may need to sell a property or use the equity in an existing property to obtain deposit funds.

New Build & Renovation Checklist

There are several important steps when undertaking a build or renovation. These are often time-sensitive and should be met to avoid delays. 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.


    • 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 is an incredibly proficient and easy to deal with mortgage broker. Oliver makes what can be a stressful process, easy and straightforward. We have used Oliver for both residential and commercial borrowing for over 12 years and wouldn't hesitate to recommend him.

      Cherie Mobberley Avatar Cherie Mobberley
    • Oliver was fantastic and stuck with us through a very long process.

      Craig Hurley Avatar Craig Hurley
    • 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
    • Anyone 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 L Avatar ness L
    • Highly 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 Holden Avatar Steven Holden
    • Extremely good Mortgage Broker, would recommend to anyone. He was very helpful in getting us our first home, and guiding us through the mortgage process. Highly professional and a pleasure to work with.

      Liam Burke-Barton Avatar Liam Burke-Barton
    • Thanks to Oliver's help, my partner and I were able to purchase our first home. He was so incredibly helpful, answered all of our questions and gave good, solid advice. We really wouldn't have achieved this milestone without him and couldn't recommend him more!

      Olivia Day Avatar Olivia Day
    • Working 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 Morgan Avatar Chris Morgan
    • Oliver 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.

      mejsnarp Avatar mejsnarp