Need a mortgage to buy or build your first home?

When making big decisions, you want someone you can trust by your side. We’re here to help you secure your mortgage and loan.

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Let us help you with the purchase of your first home, and get a better deal than you can on your own.

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!

Value of a Mortgage Adviser

Understand the real value a mortgage adviser/broker provides. You might be surprised.

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Find out what your loan repayments might be

KiwiSaver can be used when securing a loan for your First Home.

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.

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OUR LENDING PROCESS

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.

Desired Outcome
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.

Discovery Phase
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.

Application Process
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.

Initial Assessment
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.

Outcome Delivered
We are in regular communication with you in regard to the outcome and approval from the lender. 

Post Approval
We’ll proactively work for you to negotiate the best possible lending rates, individualised to your situation and needs.

FREQUENTLY ASKED QUESTIONS

Consider Insurance NOW, before you’ve secured the property

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