We're focused on helping you achieve your financial goals.

In the most part, no, there is no cost to use Rapson Loans & Finance. We can assist you with securing a loan or a mortgage. You provide the information, and we do all the work for you. The lenders pay our commission.

There are very few cases, where the process is more complex, and a non-standard loan is required; in these circumstances a fee may be charged. We’re upfront about this and you will be told of this in advance, so you can choose whether you wish to proceed. 

We’re independent mortgage brokers, with no affiliation to any particular bank, real estate or group. This means there is no ‘product flogging’. We take the time to understand you and your unique situation and recommend a solution that is BEST for you, no one else. We use a wide variety of lenders and we have the ability to negotiate the best deal for you: be it interest rates, cash contributions, or re-submission of a loan deal that may have been declined.

We provide more than a mortgage. All our services are underpinned by our sound financial planning and advice – your financial wellbeing is at the heart of everything we do. Plus, we operate 7 days a week and will meet with you at a time and location that’s convenient for you.

We make it easy for you to complete an application. You provide us the information and we do the work! With us, you only need to complete one application form which can be used by all banks; you don’t need to go to each bank separately and fill out their application form.

Plus, we have over 50 years’ experience in the banking and finance industries, so we know what banks are looking for. And because the lenders pay our commission, 99% of our mortgage deals are paid for by the banks, which means you don’t pay anything for our service. If there are any costs associated with a non-standard loan we will always be upfront about this, enabling you to decide if you wish to take the matter further.

Yes, of course. Given we are independent, we have greater flexibility. We understand that everyone’s circumstances are different; some people are busy at work during the day (or night), others are at home with young families; so we can meet you whenever, wherever, you like. We want to take any pain points away, so we will make ourselves available when you need us.

Given we are independent, we have no affiliation with any one bank, or any one lender. We can secure funding from all the major New Zealand and Australian owned banks and also funding from trusted non-bank lenders. The beauty of this, is you have more options available to you, all from one place.