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.

Our service is free
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
Rapson Loans & Finance work tirelessly to deliver outstanding results. Read our clients’ recent feedback below.
Cecille Villarreal2025-01-14 As first home buyers we worked with Brooke and every step of the way we felt so supported and informed. Brooke was amazing, she was always available to answer any of our questions and provide guidance for us. She spoke to us in a language that we could understand and made the whole process so easy for us. We knew that Brooke had everything under control the whole way through. We highly recommend working with Brooke and looking forward to working with her again in the future. Thanks Brooke so much for your time and expertise, we couldn't have done it without you!! Alex Horsman2024-12-28 Tristan is great to work with, adaptive and thinks outside the box to ensure he can obtain finance that meets client requirements. John McCarthy2024-12-19 We had a extremely great outcome and we are very happy with the end result. Our Mortgage advicer showed his steel and delivered this house. PLUS the bonus was that he got the bank to lower our existing lending. You rock Jan Viljoen2024-12-17 Brooke and her team were an absolute dream. They went above and beyond helping me refinance for my home loan. They did a lot of the hard background work and I was able to get even more money from a second bank after they gave them a good push. So grateful and would 100% recommend Brooke. I look forward to her support next time I need mortgage support. Vanessa Gamble2024-12-17 It was a pleasure to work with Jacques from Rapson when buying our home. He was super responsive and answered every question we had about the process, and helped us to stay stress-free throughout it all. He knows the market, and the ins and outs of buying a home. He's also a genuinely good guy who we would recommend to anyone looking to buy a house. Rhett Snell2024-12-16 Great service, everything covered and more, easy Greg H2024-12-04 Awesome help from Tristan in assisting my family with our home loan restructure. Highly recommend their services! Ben Buckley2024-12-02 Right from the start to the day we moved into our new home, Jacques Pitts service was excellent. He replied promptly to emails and calls and was always ready with good advice. He not only helped us to secure our very first home in New Zealand but, he also helped with giving us the name of a great lawyer and insurance company. I would highly recommend him. Thanks Jacques for making this huge step so streamline and for helping us each step of the way. Shayne Hardiman2024-11-22 Jacques Pitts was an absolute lifesaver throughout our entire mortgage process. From our initial query about borrowing capacity to the final settlement, his expertise and guidance were invaluable. Jacques was always incredibly responsive, answering all our questions promptly and clearly. He patiently explained our financial options, making sure we understood every step of the way. His knowledge of the market and the various bank options was impressive, allowing him to secure us the best possible deal. We were so impressed with Jacques' dedication and professionalism. He went above and beyond, always keeping us informed and ensuring a smooth and stress-free experience. We highly recommend Jacques to anyone looking for a top-notch mortgage advisor. He truly made our homeownership dreams a reality. Christiaan & Max Rolleston, Christchurch Christiaan Liebenberg2024-11-19

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