GOING

BEYOND

MORTGAGES

Loan structures designed to cut years off your mortgage

Diamond Financials structures home loans for people the banks would rather put in a queue. First homes, investment purchases, refixes, builds and self-employed income — we take the whole picture to the lenders on our panel and come back with the structure that actually costs you less.

One of these? You're in the right place.

What you need depends on where you are standing

First-home buyers

Deposit, KiwiSaver and the gap between them — mapped before you bid, not after.

Investors

Structure, yield and equity release tested against the numbers rather than the pitch.

Refixing & refinancing

A rate rolling off is a decision, not a letter. We run it before the bank does.

Self-employed

Two years of accounts read properly, so your income counts for what it really is.

01 — First Home

I’m buying my first home

Work out what you can genuinely borrow, get pre-approved early, and put an offer in the day you find the place.

How much you can borrow

A real number, tested against several lenders, before you fall in love with a listing.

Deposit options

Savings, gifts, equity from family — we map every route to the deposit you need.

Pre-approval

Paperwork done early so an offer can go in the day you find the place.

Settlement support

We chase the lender, the solicitor and the dates so you do not have to.

02 — Investment

I want an investment property

Yield, servicing and loan structure checked properly, so the property earns its place instead of quietly draining you.

Using your equity

Release what you have already built up without disturbing the loan you are happy with.

Servicing the debt

How lenders treat rental income, and what that means for your borrowing power.

Loan structure

Splits, terms and offsets arranged around the way you actually hold the asset.

Growing a portfolio

A path from the second property to the fifth that does not stall at the bank.

03 — Refinance

My fixed rate is rolling off

A review that costs you an hour and quite often pays for itself many times over before the year is out.

Rate review

What you are paying now versus what the market will actually give you.

Restructure

Fixed, floating and split — rebalanced around your plans for the next few years.

Cash contributions

Where a lender will contribute to the switch, and what strings come attached.

Break costs

The honest maths on whether moving early still leaves you ahead.

04 — Pay Off Faster

I want to pay this off faster

Offsets, splits and a repayment rhythm that take years off the loan rather than cents off the rate.

Offset accounts

Put your everyday balances to work against the loan every single day.

Repayment structure

Frequency, splits and terms set so more of each payment hits the principal.

Lump sums

Where a windfall does the most good, and the limits that apply while fixed.

Regular reviews

A standing check-in so the plan keeps pace as your income changes.

05 — Construction

I’m building or developing

Progressive drawdowns, contracts and valuations lined up with your builder long before the first pour.

Progressive drawdowns

Funds released stage by stage, matched to your builder’s payment schedule.

Fixed-price contracts

What lenders need to see in the contract before they will commit.

Turn-key vs progress

The two ways to fund a build, and which one suits your cash position.

Valuations

As-built valuations arranged early so approval does not stall mid-project.

06 — Self-Employed

I’m self-employed

Lenders who read financial statements properly, instead of applying a blunt rule to a nuanced situation.

Evidencing income

Financials, tax records and add-backs assembled the way a credit team wants them.

Shorter trading history

Options when you do not yet have two full years behind you.

Alternative lenders

Where to go when the mainstream banks apply a blunt rule to a nuanced situation.

Ownership structure

How trusts, companies and partnerships affect what you can borrow.

07 — Protection

I want the lending protected

Cover sized against the debt you actually carry, so a health event does not have to become a lending event.

Life cover

Clears the mortgage, so the house is not part of the problem.

Income protection

Replaces a share of your income for as long as you cannot earn it.

Trauma and TPD

A lump sum on diagnosis, separate from anything else you hold.

Health cover

Treatment measured in weeks rather than in waiting lists.

How we work

Six steps. No surprises.

Every piece of advice we give follows the same six-step process, the international standard for financial advice. You always know which step you are on, what happens next and why.

01
Get to know you

Who we are, how we are paid and what we will advise on, agreed up front.
02
Gather the facts

Income, debts, assets, the cover you hold, and where you want to get to.
03
Work the numbers

Your position tested against your goals, the lenders and the insurers.
04
Recommend in writing

Clear options, our reasons and the trade-offs, in plain English.
05
Put it in place

Applications, paperwork and settlement handled, once you have signed off.
06
Review and adjust

Regular check-ins, and sooner when your life or your rate changes.

See the Full Process

Answers to the things people actually ask us.

Frequently asked questions

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 form below 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.

Explainers

Know the numbers before the bank does

Try it

Your LVR, worked out

Property value $800,000

Deposit $160,000

You borrow$640,000

Your LVR80%

New builds generally sit outside the LVR restrictions. General information only — not personalised financial advice.

Plain-English guides to the things that quietly decide what you can borrow, and what it costs you.

All Explainers

Who you will be working with

The team behind every approval

Mortgage Adviser Read profile

Insurance Adviser Read profile

Sukhjinder Heir, Customer Services Manager

Customer Services Manager Read profile

Lending Manager Read profile

Four advisers working one shared file, so whoever picks up the phone can already see where your application has got to.

Our Story and Team

Testimonials

Do not take our word for it. Take theirs.

It was a great experience working with Harjeet. He provided excellent guidance and expertise in our home loan application. He was easy to communicate with and delivered a personalized approach. Would highly recommend.

Before choosing Harjeet Singh from Diamond Financials as our mortgage adviser, I spoke with several licensed mortgage advisers and bank representatives. However, Harjeet stood out from the very first conversation.

His advice was genuine, honest and focused on what was right for us — not simply on telling us what we wanted to hear. He clearly explained what we should and should not do and guided us through the entire mortgage process in the simplest possible way.

I took my 16-year-old son to one of our meetings, and Harjeet took the time to explain the home-buying process to him and include him in our family’s journey. That thoughtful gesture was genuinely heart-touching.

I was panicking after we signed the purchase agreement, but Harjeet remained calm and reassuring. He secured mortgage approvals from two banks and presented both options so we could make an informed decision.

The way he structured our loans was another highlight. His strategy of using different interest-rate terms to balance our short- and long-term goals was something I had never considered, and it was absolutely brilliant.

We honestly can't thank Diamond Financial enough for helping us through a very difficult financial period.

After our shop faced financial hardship, we had a lot of outstanding debts and had to refinance our home to get everything under control. We had already been with a finance company for around 8 months on a very high interest rate, and we didn't know how we were going to improve our situation.

That's when Harjeet from Diamond Financial stepped in and helped us move to a normal bank with a much better mortgage rate. What really impressed us was how quickly he worked for us — we had bank approval in less than a week!

Harjeet is genuinely one of the most down-to-earth and helpful people we've dealt with. He took the time to understand our situation, kept us informed and never made us feel judged. He has always been there to help and has never let us down.

We are extremely grateful for everything Harjeet and Diamond Financial have done for our family. 🙏

If you're looking for mortgage refinancing or honest financial advice, we highly recommend giving Diamond Financial a call. You won't regret it!

Thank you so much for helping me move my loan forward and making the entire process so smooth and straightforward.

I really appreciate the way you structured my loan into different portions. Breaking the loan into smaller parts has given me greater flexibility and made it easier to manage my repayments, as well as my future refinancing and fixed-rate options. It also allows me to manage each portion separately instead of having the entire loan tied to one structure.

Your advice, communication, and expertise in designing the loan structure were excellent. You explained everything clearly and created a structure that worked very well for my needs.

Thank you once again, Paaji. I truly appreciate all your support and would be happy to recommend you to anyone looking for a reliable and knowledgeable mortgage adviser.

I had a great experience working with Mr. Harjeet on my loan application. I received exactly the amount we discussed, with no fake promises or unrealistic expectations. They simply did what they said they would.

They were flexible, understanding, and very easy to deal with. The service was quick, and everything was handled with extreme care.

I'm grateful for such honest, reliable support and would highly recommend them to anyone looking for help with a loan.

Being a small business owner made the whole thing more complicated than usual, but Harjeet knew exactly what the banks needed and got it sorted. He structured the loan so we're paying it off years earlier than we expected, on a better rate too. Clear answers, no jargon, no pressure. Really glad we went with him.

We are truly grateful to Harjeet for all his guidance and support throughout our home-buying journey. From the very beginning, he guided us through every step and made sure we understood everything clearly.

Harjeet has always been patient, professional, approachable, and generous with his financial advice. He not only helped us achieve our goal of buying our first home, but also shared valuable ideas and strategies on how we can manage our mortgage wisely and work towards paying it off sooner.

We really appreciated that he was always there to answer our questions, provide honest advice, and guide us in the right direction whenever we needed it. His knowledge, dedication, and genuine care made the entire process much easier and less stressful for us.

Thank you so much, Harjeet, for helping turn our dream of owning our first home into a reality. We truly appreciate everything you have done for us and would highly recommend you to anyone looking for a trustworthy, knowledgeable, and supportive broker.

You will not find our sharpest structure on a rate table — that is deliberate.

We do not send everyone to the same lender on purpose.

Rate tables have their place, and we read them too. But the number on one is the smallest part of what a loan costs you — the structure, the split and the lender's appetite for your particular situation do the rest. Tell us what you are trying to do and we will build the lending around it.

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