Home Loans Tailored to Your Needs

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.

First home buyer receiving home loan advice

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.

Investor discussing investment home loans

Competitive Rates For All your Home Loan needs

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.

Happy new homeowners with keys to their first home

DISCOVER THE BEST RATES FOR YOUR HOME LOAN.

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. Particularly with first time homebuyers this can be a tricky to do. 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

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.

First Time Home Buyers Checklist

Buying your first home and securing lending 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.

Expert Home Loan Advisory Services for Kiwis

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.

Investment Home Loans

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.

Before and after home renovation images
Investment mortgage broker advising a client

First Home Buyer Loans

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.

Home Improvement Loans

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.

Is it a Good time to buy property?

New Build Home Loans

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.

Simplify Home Loans with Expert Guidance

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:

  • Unlike working directly with a bank, we provide access to a wide range of lenders and loan options, ensuring you’re not restricted by the terms of a single provider. 
  • We take the time to understand your financial goals, offering personalised service that fits your unique needs.
  • Our team handles all the paperwork and negotiations, saving you time and allowing you to focus on your investment strategy. 
  • Our support doesn’t end at loan approval. We continue to assist you with mortgage management and offer expert advice on refinancing options, ensuring your financial plan evolves smoothly over time.

FAQs

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.

    Testimonials

    • 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
      27/06/2023
    • 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
      14/03/2024
    • 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
      03/04/2023
    • 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
      13/12/2022
    • 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
      29/10/2023
    • 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
      04/12/2023
    • Oliver is truly the best broker we have ever used. He assisted us with new build home loans, commercial finance and finance. He is super knowledgeable, helpful and honest. We have used Oliver for many years. He helps you every step of the way.

      Lara Kamionka Avatar Lara Kamionka
      15/05/2022
    • 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
      19/12/2021
    • 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
      28/02/2021
    • Oliver was fantastic and stuck with us through a very long process.

      Craig Hurley Avatar Craig Hurley
      16/12/2021