Getting into your first home, whether it’s purchasing an existing home or building a new home can be both time consuming and confusing. But when it comes to the mortgage part of this journey, we can help! Our team are friendly, approachable and experienced and because we are immersed in this world, can ensure you get the best loan structure for you and your situation.
No doubt you have a number of mortgage and loan questions, racing around your mind right now…
• What do I need to buy my first home?
• I want to build a new home, what do I need to be aware of?
• Is this home within our budget?
• What will happen if mortgage interest rates change?
• How much deposit do we need to buy or build a home?
• Can our parents, family members or friends assist us to buy a house?
• How do we arrange the best mortgage deal?
• How do we make an offer on a home we like?
• What does a Mortgage Broker actually do?
• Should I get a mortgage through my bank instead?
As expert Mortgage Brokers in Tauranga and servicing all of New Zealand, we can answer all your questions!
You might have heard people talk about using their KiwiSaver account as a deposit to secure their first home…let’s explore this some more.
Securing a mortgage can be quite stressful. Here at Rapson Loans & Finance, our goal is to take any pain points away from you and walk alongside you on this journey. We guide you through this process and work with you to provide a loan deal that is tailored to you and your personal situation. We’ll show you some great ways to go about this important decision and save you money, and negotiate a better deal because of our experience and credibility with lenders.
What is it you are wanting to achieve? Whether it’s finance for a first home, a new build, your next home, an investment or refinancing, we can help you achieve your goal.
We’re top Mortgage Brokers based in Tauranga, but we work with clients all across New Zealand and overseas. Regardless of your location, we take the time to understand you, your situation and what your financial goals are. We can then provide a solution that is best suited for you, no-one else.
Mortgage application processes can feel daunting, but we guide you through this process so that it’s straightforward and you don’t need to worry! You complete a short application providing relevant information to support you submission.
We review your mortgage application and all the details you have provided. We will then communicate to you, in plain English, what we feel is the best recommendation for you and your situation.
Submission to Lender
We take care of the submission for you. We provide all the necessary paperwork to the lender for approval.
We are in regular communication with you in regard to the outcome and approval from the lender.
We’ll proactively work for you to negotiate the best possible lending rates, individualised to your situation and needs.
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 advise – 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 60 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.
Consider Insurance NOW, before you’ve secured the property
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