FAQ

It depends on income, existing debt, the deposit and — more than people expect — which lender reads the file. Servicing rules differ enough between banks that the same application can swing by six figures. We run your numbers across the panel before you make an offer.

Twenty percent is the clean answer, but low-deposit lending exists at ten and sometimes five, and KiwiSaver withdrawals, gifts and guarantors all count toward it. We map what you have against what each lender will actually accept.

Not simply accept the letter. A roll-off is the one moment you hold leverage: repricing, rebalancing the split, or moving the loan for a cash contribution. We start that conversation thirty to sixty days out.

Not for standard residential lending — the lender pays us on settlement. Where a deal is complex enough to need a fee, you are told the number in writing before any work starts.

Use the contact page or call 0800 23 13 13. A first conversation takes about twenty minutes and costs nothing — we sit down together, understand your financial position, and then come up with a pathway for you.