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.
Leave the application and approval process to the loan experts
Lowest interest rates
Customised to your needs
Our extended access to flexible terms allows highly-personalised loans.
Lowest deposit options
As experienced advisors, we can make calls that mortgage bankers shy away from.
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Access to over 45 lenders means more options and a better deal for you
The best way to secure
your home loan
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.
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.
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.
What our valued clients are saying
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