Mortgages.

Honest and Independent Advice

Sometimes truly understanding mortgages or any type of lending can be like having to understand a new language. At Moneybox, we make it easy for you to understand all the lingo so that you can make decisions confidently, but more importantly, ask those questions that you know will get you a straightforward answer.

We will sit down with you to decipher the fixed and floating rates, understand the different impacts of various mortgage structures to help you achieve your long term goals.

Having trouble with the real estate jargon? No worries, we will give you the tools needed to go into an auction or submit a tender right down to the signing of any documentation.

We are with you every step of the way! Let us be your helping hand and get through the buying process as fast and as stress-free as possible.

Get in touch with us today!

Our Services

Buying Your First Home

Considered one of life’s significant achievements, we can assist you with your first home buy and direct you through the process each step of the way. Our part is to calculate affordability (advise you on how much you’re able to spend), locate the best bank fit for you and help you get pre-approved to obtain up to 95% of the property’s value.

Buying Your Next Home

Ready to take the next step? Purchasing your next home often means selling your first home. We can supply you with the correct advice whether you’re going to buy your home before selling it and may require bridging finance or whether you want to sell before buying again. Since we have an excellent relationship with other professionals such as real estate agents, valuers, and solicitors all over New Zealand, we can quickly and easily refer you to them to make this process easier and smoother.

Investing in Property

Investing in property is usually depicted as a safe investment as it’s tangible – and it often is. We can discuss your options with you if you’ve been considering investing in preparing for your retirement or helping your family get their foot onto the property ladder. These can include using the equity in your property or savings as a deposit to create or grow your portfolio.

Building or Renovating

Building a new home can be a challenging and daunting process. However, we are here to help make the process as stress-free and seamless as possible. We can clarify and explain the different types of construction contracts available and how these can affect the amount of money you borrow.

If you’re looking to alter your house into your dream home or require space for your expanding family, we can assist you in applying for mortgage finance.

Refinancing

With life constantly changing, we as experts can help manage your home loan to assist you in adapting to these changes. Suppose your current mortgage structure isn’t supporting your financial goals. In that case, we can offer solutions that include reorganising your lending or finding other lenders who may better suit your needs.

Review Your Mortgage

Do you need to re-fix your mortgage but concerned that you’re not receiving a market-leading offer? 

There are several types of loan products, and we can help you get your loan set up to reflect your financial goals. If your loan requires re-fixing or restructuring, contact us, and we can provide you with expert advice at no charge. 

Debt Consolidation / Top-up

Consolidating debt means taking out a new loan to combine all of your debts into one single loan so that you can easily pay them all off at once – preferably at a lower interest rate so you can pay off the debt quicker. We can help you with this so you can save money and simplify your life. 

We can also do the math and apply for a top-up for you if you’re thinking of buying a new car or require money for your wedding or holiday.

Insurance

Obtaining a mortgage is only part of the story. We ensure that you can still afford to pay off your mortgage no matter what happens. How would you pay off your mortgage or take care of your family if you or your partner were to lose an income? Talk to us about how we can assist you with your Plan B.

Our Process

Get in Touch

Contact us via phone or email. When you’re ready to get started, we can meet to chat wherever it suits you – whether that’s at our Wellington office, at a local café, your home, phone, video chat, or via email. We’re available five days a week and serve clients throughout New Zealand.

Information and Documentation

Once we have had the initial discussion and understood how we could help you, we’ll provide you with a list of the information we require to move forward. These will include confirmation of income, proof of deposit, bank statements and identification.

The Interview

We’re excited to get to know more about you! The interview can be held either in person, via video call or over the phone. We can supply you with a link to our simple and straightforward online application, or we can complete the online application together when we meet.

Applying for Pre-Approval

When buying a property, it’s good to have a pre-approval with a lender beforehand as this ensures the process runs as calmly as possible and provides you with certainty on how much you can borrow. However, in the fast-paced world of real estate, this isn’t always a possibility, so we can help you with any last-minute urgent deals.

Confirming Finance

Congratulations, your offer has been accepted! There are generally a couple of conditions to satisfy before the bank confirms finance unconditionally, so we will assist you in getting these satisfied. Once we have and the bank has informed us in writing, we can tell your solicitor know who will, with your permission, confirm to the vendor’s solicitor that the finance condition has been satisfied.

Settlement Day

When the bank has declared the loan proceeds to your solicitor, they will then transfer the funds to the vendor’s solicitor. The property is then placed under your name, and you will then receive the call to collect the keys to your new home!

Making it simple

Sometimes truly understanding mortgages or any type of lending can be like having to understand a new language. At Moneybox we make it easy for you to understand all the lingo so that you can make decisions confidently, but more importantly, ask those questions that you know will get you a straightforward answer.

We will sit down with you to decipher the fixed and floating rates, understand the different impacts of various mortgage structures, understand how revolving credit or interest-only will help you achieve your long term dreams. 

Having trouble with the real estate jargon? No worries, we will give you the tools needed to go into an auction and tender sales, right down to the signing of any documentation. 

We are with you every step of the way! Let us be your helping hand and get through the buying process as fast and as stress-free as possible. 

Get in touch with us today! 

Our team is your team

The team at Moneybox are independent mortgage brokers that have your best interest at hand! We work for you, not the banks. Our team is the best at what they do, bringing you the in the now knowledge and advice, so no matter what, if you are new to the property market or an experienced investor, you get the best!

Get in touch