MORTGAGE ADVICE FOR YOUR SITUATION

If you’re looking for mortgage advice, we're here to help!

NZ Mortgage Advice specializes in both residential & commercial loans. We provide mortgage advice & lending solutions to clients across New Zealand, giving them the best options for their lending. Investing in a loan can be stressful, which is why we're here to make the process easier! NZ Mortgage Advice are here to help you make the most of your investment over the long term and achieve your financial goals.

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The advantages of using a Mortgage Advisor

The advantages of using a Mortgage Advisor

We find clients across New Zealand the home loan that best suits you and your individual circumstances. We'll guide you through the mortgage process and ensure you feel comfortable and informed all the way through the journey.

We offer the benefit of being flexible with our hours and can meet at a time and place that is convenient for you.

We work with 25+ lenders which means more options and a tailored solution for you. We'll also negotiate the best interest rates and other incentives, like a cash contribution from your bank to put towards your legal fees.

We'll help you understand the home loan application, get you pre-approved and help you decide your mortgage structure and what repayments you can afford.

There are usually no charges when getting mortgage advice from an advisor as they'll receive a commission from the lender upon settlement of your loan.

We find clients across New Zealand the home loan that best suits you and your individual circumstances. We'll guide you through the mortgage process and ensure you feel comfortable and informed all the way through the journey.
We offer the benefit of being flexible with our hours and can meet at a time and place that is convenient for you.
We work with 25+ lenders which means more options and a tailored solution for you. We'll also negotiate the best interest rates and other incentives, like a cash contribution from your bank to put towards your legal fees.
We'll help you understand the home loan application, get you pre-approved and help you decide your mortgage structure and what repayments you can afford.
There are usually no charges when getting mortgage advice from an advisor as they'll receive a commission from the lender upon settlement of your loan.

GET MORTGAGE ADVICE

"We are so grateful for Amy who helped us get into our first home! We couldn’t be more grateful for all the support she’s given us. We highly highly recommend her and Fiona. The absolute dream team!"
"Fiona has been so great and so knowledgeable. She really does have your best interests in mind. Highly recommend. I will continue to use Fiona in the future."
"We would highly recommend Amy, she made the whole process of getting approved and buying a house easy. She was professional, knowledgeable and her communication was impeccable."
"We would highly recommend working with Amy if you are looking for a top notch MA! She made the buying/selling process all come together so smoothly and had our best interests at heart the entire time securing us a fantastic outcome."
"Fiona advised and guided us through the entire mortgage process which helped all of us tremendously."
"Amy was exceptional in guiding us through our first home purchase. Her clear communication and thorough explanations made the process seamless and enjoyable."
"Fiona was helpful, efficient and honest on what the best solution for us was. Would definitely recommend her for anyone needing their home loan needs."
"Fiona at NZ Mortgage Advice was wonderful at helping us restructure our mortgage. She was super quick and efficient with everything that needed to be done, got a fabulous discount from the bank, all the while being really friendly and approachable throughout the whole process."

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"Fiona is an absolute superstar! An excellent communicator who acts quickly and efficiently to help you achieve your financial goals. My husband and I were delighted at how easy and stress free our recent mortgage top up and restructure was. Highly recommend!"

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"Having Fiona work with us through the process of purchasing our first home was fantastic. Fiona is very knowledgeable, patient, and helped us navigate through several offers before settling on our new home. We highly recommend anyone to work with Fiona."

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"I can't recommend NZ Mortgage Advice enough! Fiona provided excellent, personable customer service to help us achieve our financial goal. She was clear and efficient and got the result we were after in a timely manner. Thank you so much, Fiona and team!"

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"Fiona was wonderful to work with! She was approachable, relatable, and non-judgemental. She will tell you exactly where you stand and do all she can to get the best outcome for you. She explained everything simply and was always available to answer our questions! Hands down will go to her again 100%. Thank you Fiona!"

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"Fiona helped us immensely in purchasing our section. Whether it was us continuously changing our minds or helping us navigate the banks process, Fiona guided us every step of the way. Fantastic broker and would recommend to anyone!"

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Lending Partners

How much deposit do you need for an investment property in NZ?

By Fiona De Barre • March 21, 2025

The process to buying an investment property is fairly similar to buying an owner-occupied property. One of the clear differences between these lending processes is the required deposit.

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Contact Us

NZ Mortgage Advice are a team of experienced Mortgage Advisors based in Hawkes Bay & Nelson, helping clients across New Zealand with their lending.

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Phone: 020 4049 0099

Email: fiona@nzmortgageadvice.co.nz

Phone: 027 913 3931

Email: amy@nzmortgageadvice.co.nz

Address: PO Box 93016, Bayview, Napier, 4149

MORTGAGE ADVICE FOR YOUR SITUATION

If you’re looking for mortgage advice, we're here to help!

Loan Calculator

The advantages of using a Mortgage Advisor

"We are so grateful for Amy who helped us get into our first home! We couldn’t be more grateful for all the support she’s given us. We highly highly recommend her and Fiona. The absolute dream team!"

"Fiona has been so great and so knowledgeable. She really does have your best interests in mind. Highly recommend. I will continue to use Fiona in the future."

"We would highly recommend Amy, she made the whole process of getting approved and buying a house easy. She was professional, knowledgeable and her communication was impeccable."

"We would highly recommend working with Amy if you are looking for a top notch MA! She made the buying/selling process all come together so smoothly and had our best interests at heart the entire time securing us a fantastic outcome."

"Fiona advised and guided us through the entire mortgage process which helped all of us tremendously."

"Amy was exceptional in guiding us through our first home purchase. Her clear communication and thorough explanations made the process seamless and enjoyable."

"Fiona was helpful, efficient and honest on what the best solution for us was. Would definitely recommend her for anyone needing their home loan needs."

"Fiona at NZ Mortgage Advice was wonderful at helping us restructure our mortgage. She was super quick and efficient with everything that needed to be done, got a fabulous discount from the bank, all the while being really friendly and approachable throughout the whole process."

"Fiona is an absolute superstar! An excellent communicator who acts quickly and efficiently to help you achieve your financial goals. My husband and I were delighted at how easy and stress free our recent mortgage top up and restructure was. Highly recommend!"

"Having Fiona work with us through the process of purchasing our first home was fantastic. Fiona is very knowledgeable, patient, and helped us navigate through several offers before settling on our new home. We highly recommend anyone to work with Fiona."

"I can't recommend NZ Mortgage Advice enough! Fiona provided excellent, personable customer service to help us achieve our financial goal. She was clear and efficient and got the result we were after in a timely manner. Thank you so much, Fiona and team!"

"Fiona helped us immensely in purchasing our section. Whether it was us continuously changing our minds or helping us navigate the banks process, Fiona guided us every step of the way. Fantastic broker and would recommend to anyone!"