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Home Loans
Optio finance
Welcome Home Loan
The Welcome home loan is supported by Housing New Zealand and it makes it easier for you to purchase a house if your ability to save for a deposit is limited.
The first $200 000 requires no deposit and the balance which could be as much as $350 000 needs a 15% deposit. Find out more? Click here.
The Welcome home loan is supported by Housing New Zealand and it makes it easier for you to purchase a house if your ability to save for a deposit is limited.
The first $200 000 requires no deposit and the balance which could be as much as $350 000 needs a 15% deposit. Find out more? Click here.
Fixed rate Home Loan / Mortgage
A fixed interest rate will not change during the period (term) of the fixed rate that you choose. At the end of your fixed interest rate term you can either choose a new one from the rates available at that time, or change to a floating interest rate. Find out more? Click here
A fixed interest rate will not change during the period (term) of the fixed rate that you choose. At the end of your fixed interest rate term you can either choose a new one from the rates available at that time, or change to a floating interest rate. Find out more? Click here
Variable or floating rate options
A variable rate gives you the advantage of being able to pay off your home loan as you please, you can increase monthly repayments or pay off lump sums without penalty. But it does put you at the mercy of rate fluctuations which can't safely be predicted. Find out more? Click here.
A variable rate gives you the advantage of being able to pay off your home loan as you please, you can increase monthly repayments or pay off lump sums without penalty. But it does put you at the mercy of rate fluctuations which can't safely be predicted. Find out more? Click here.
Kiwi Saver and your mortgage
Your Kiwi saver can be used to assist with buying a house in two ways. Firstly you can use your own as well as your employers contributions towards your deposit. Secondly, you may be entiled to receive a subsidy of up to $5000 depending on the age of your Kiwi Saver. Find out more? Click Here.
Your Kiwi saver can be used to assist with buying a house in two ways. Firstly you can use your own as well as your employers contributions towards your deposit. Secondly, you may be entiled to receive a subsidy of up to $5000 depending on the age of your Kiwi Saver. Find out more? Click Here.