Refinancing your mortgage

WITH INTEREST RATES ON THE RISE, SWITCHING YOUR MORTGAGE TO ANOTHER PROVIDER MAY SAVE YOU THOUSANDS IN INTEREST. ON TOP OF THIS, SOME BANKS ARE OFFERING 1% CASH BACK ON THE VALUE OF THE LOAN WHEN SWITCHING.

RAPSON LOANS & FINANCE HAVE BEEN HELPING KIWIS FOR OVER 30 YEARS. SPEAK TO THE MORTGAGE EXPERTS TODAY.

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Leave the application and approval process to the loan experts

interest lowest

Lowest interest rates

We find the best rates available for you and your financial situation.
customised

Customised to your needs

Our extended access to flexible terms allows highly-personalised loans.

 
lowest deposit

Lowest deposit options

As experienced advisors, we can make calls that mortgage bankers shy away from.

 
our service

Our service is free

Competition between banks fuels our profession, and that’s great for you!

Access to over 45 lenders means more options and a better deal for you

Shown above are just a fraction of the lenders that we will consider to obtain the best deal for you. Many have unique benefits and promotions. Remember: we work exclusively for you, our client.

The best way to secure
your home loan

As trusted independent financial advisers, we provide the ultimate service in first home loans.
We work alongside you throughout your journey, helping you achieve your financial goals.
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We help Kiwis save thousands every week

Single Loan case study

In 2020, Andrew purchased a rental property in Papamoa, taking out a home loan of $520,000. He secured a 30-year mortgage with a 2-year fixed term interest rate of 3.29%.

Two years later, following significant rate rises, it was time for Andrew to re-fix his loan. His bank offered him a 5.29% 2-year fixed interest rate. This represented a considerable reduction of return on his investment when compared to the previous rate.

Andrew understood that he could possibly get a lower rate with another bank, but certainly didn’t have the time to undertake all the rigmarole of loan comparisons and applications.

He was introduced to Rapson Loans & Finance through a friend. Andrew found that the Rapson team have an exhaustive list of lenders at hand and complete familiarity with the lenders’ conditions.

Moreover, Andrew was able to complete a single ‘application’ with Rapson instead of multiple applications to various banks.

Rapson Loan & Finance were able to find a financing offer at an alternative bank with a 2-year fixed-term rate of 4.69%, which also came with a ‘cash-back’ credit of $1500 as a reward for switching banks.

Thanks to Rapson Loans & Finance, Andrew will now save $7012 over the current two-year term when compared to simply refixing his previous mortgage with his previous bank.

* All loans in this experience are of the principal-plus-interest table loan variety. Names and exact numbers have been changed to protect identities.
single loadn saved

Separation case study

Amy and Grant were a couple who owned a property together. Life happened and the couple needed to separate. In doing so, they negotiated the redistribution of their combined assets.

As a part of the settlement they agreed that Amy would keep the property, with Grant transferring his share of the property to Amy. The property was not yet freehold, however, and Amy soon discovered the banks were hesitant to offer her a mortgage for the balance based on her single income.

There were ‘easy’ options available for the new mortgage with second and third-tier lenders, but these all came with interest rates that were much higher than what Amy was used to – and what she thought was reasonable.

Amy contacted Rapson Loans & Finance, who she had heard were experts in these kinds of scenarios. The team at Rapson were able to find a credible lender and facilitate a successful mortgage application with a very competitive rate.

Rapson Loans & Finance helped Amy find her financial agency in a difficult and stressful situation.

* All loans in this experience are of the principal-plus-interest table loan variety. Names and exact numbers have been changed to protect identities.
asset management

Contractor case study

 

James is a well-connected professional consultant. In 2021 he had only recently gone out on his own in business to operate as a contractor. He had a great credit history and considerable savings, but had also drawn personal remuneration from his company in a complicated way, as instructed by his accountant.

James decided to purchase a property after informally ‘doing the numbers’ and grasping how completely affordable a reasonable mortgage would be.

Unfortunately, the two ‘big banks’ James approached did not appraise his financial situation and servicing ability in the same way that he did.

Frustrated at the banks’ apparent bureaucracy in the face of proven income, James reached out to a couple of brokers, and he began talking to Rapson Loans & Finance.

Having access to so many specialist lenders, the team at Rapson were able to facilitate two distinct lending offers. James’s decision between the two was swayed by the better rate.

Rapson Loans & Finance provided James competitive, tailored mortgage options; while James going directly to the ‘big banks’ gave him no options at all.

 

* All loans in this experience are of the principal-plus-interest table loan variety. Names and exact numbers have been changed to protect identities.
contractor lending

What our valued clients are saying

Rapson Loans & Finance work tirelessly to deliver outstanding results. Read our clients’ recent feedback below.

Tristan was really easy to work with throughout the whole bank loan process. He was easy to understand, easy to approach. He answered my questions quickly. But in the meantime he was professional, knowledgeable and passionate about his job. He made my dream come true!
Chun Thomas
Chun Thomas
2024-01-16
Kc Pry
Kc Pry
2024-01-09
Exceptional Service and Expertise! I recently utilized Rapson Loans and Finance for my house financing needs, and I must say that Jacques provided a level of service that far exceeded our expectations. His expertise in navigating the complexities of the financial process made our experience smooth and stress-free. I highly recommend Rapson Loans and Finance for their professionalism and commitment to customer satisfaction. Five stars all the way!
Quintin Boshoff
Quintin Boshoff
2024-01-09
Evgenia Lyaskova
Evgenia Lyaskova
2024-01-08
Jacques was awesome to deal with. He was easy going, down to earth but I felt like he really knew his stuff. He replied to everything in a timely manner and made sure I understood something before moving on. Great experience! Would definitely use him again should I buy another home.
Keighley Wishart
Keighley Wishart
2023-12-17
Great experience with Brooke and the team, highly recommended. We would not have been successful without your help. Thanks so much!
Ben Pick
Ben Pick
2023-11-23
Fantastic support from Andre throughout the purchasing process, couldn't be happier!
Janine Lewis
Janine Lewis
2023-11-20
We were in the market to purchase our first home and a friend referred us to Rapson Loans & Finance. Jacques Pitts, our mortgage adviser, made the whole process less overwhelming by going out of his way to ensure everything went as smoothly as possible. He was always available to answer any questions we had and made sure that we were happy every step of the way. We highly recommend Jacques Pitts and Rapson Loans & Finance to anyone looking for a mortgage broker.
Ilzé Dreyer
Ilzé Dreyer
2023-11-15
Tristan was extremely helpful, professional and responded quickly. An excellent service!
Jenny Rudd
Jenny Rudd
2023-11-15
We had exceptional service from Tristan, Michelle, and the team at Rapson who made our goal of moving cities a reality. They always took time to explain and go the extra mile for us and their ongoing advice has been priceless. Thanks again!
Bridget Lowe
Bridget Lowe
2023-11-09
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Suite 7, 30 Willow Street
Tauranga 3112
New Zealand
PO Box 348, Seventh Avenue
Tauranga 3144
New Zealand
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