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.

Let’s have a chat

Leave the application and approval process to the loan experts

Lowest interest rates

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

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.

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.

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.

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.

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.

What our valued clients are saying

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

    
 
 
       Posted on Google  
   
   Vanya Jones 
 
 
 
 Trustindex verifies that the original source of the review is Google. We can't recommend Rapson, especially Jacques, enough.  We are older buyers buying our first house in New Zealand.  From our first appointment to finalising our purchase, Jacques was honest but supportive, professional and gone the extra mile (helping us late at night when we needed advice).
  
 
      Posted on Google  
   
   Dewald Loedolff 
 
 
 
 Trustindex verifies that the original source of the review is Google. Very good service
  
 
      Posted on Google  
   
   Marais Jones 
 
 
 
 Trustindex verifies that the original source of the review is Google. 1) We only just got our Permanent Residency.
2)We are on the older side (over 50s).
3)We did not have a 20% deposit.
But Jacques and the TEAM at Rapson made it happen!! We are now the proud owners of our very own home in this beautiful country.
Give this team a try, you wont regret it, they explore all the avenues and then help you to go all the way.

THANK YOU Jacques!
  
 
      Posted on Google  
   
   Lenka Trulej 
 
 
 
 Trustindex verifies that the original source of the review is Google. Outstanding service received by Helen who truly goes above and beyond  - honestly can’t recommend Rapson enough, you’ll be in save hands!
  
 
      Posted on Google  
   
   Tiaan Janine 
 
 
 
 Trustindex verifies that the original source of the review is Google. An absolutely outstanding experience from start to finish! The guidance throughout our first-home buying journey was clear, professional and incredibly supportive, making what could have been a stressful process feel straightforward and manageable.

Working with Jacques Pitts as our Mortgage Advisor, we always knew what to expect and felt genuinely looked after every step of the way. Without hesitation, Jacques is our go-to person for anything property or finance-related in the future. Thank you Jacques! Chris & Janine van den Berg
  
 
      Posted on Google  
   
   Tracey Gudsell 
 
 
 
 Trustindex verifies that the original source of the review is Google. I would highly recommend Rapson Finance to anyone looking for a knowledgeable, trustworthy and personalised financial service. A great experience all round!
  
 
      Posted on Google  
   
   Esther Downs 
 
 
 
 Trustindex verifies that the original source of the review is Google. Jacques Pitts helped my partner and I to purchase our first home. He made the whole process so much easier explaining things and answering all our questions. Always prompt and helpful. I would highly recommend his services!
  
 
      Posted on Google  
   
   Angelique Loots 
 
 
 
 Trustindex verifies that the original source of the review is Google. Jacques was very supportive and knowledgeable throughout the entire process, providing excellent guidance to us as first-time homeowners.
  
 
      Posted on Google  
   
   Diverse Building 
 
 
 
 Trustindex verifies that the original source of the review is Google. We recently approached Tristan from Rapson  Loans & Finance Tauranga to help structure a multi tier loan - renovation loan,  solar and EV loan 1% 3 year fixed interest l and a further loan for property improvements- couldn’t have been easier and more straightforward thanks to Tristan and his team. Good communication even after the process was complete. Will be sending future business their way  - thanks again.
Dave and Ania
  
 
      Posted on Google  
   
   Sarah Attwood 
 
 
 
 Trustindex verifies that the original source of the review is Google. I contacted Helen when it was time to renew my mortgage because I wasn’t sure what the best option was. She took the time to explain everything clearly, discuss all the options with me, and make sure I understood her recommendations. I decided to follow her advice, and it turned out to be the best decision.