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.
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!
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
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