Purchasing Your Next Home and Need a Mortgage?

We can get you the best loan deal to help you upsize your family home, or purchase an investment property. Apply Online

Use the knowledge and experience we have at rapson loans & finance, to help you secure your next home

Whether you’re looking to purchase a larger home, or a home for an investment, as expert mortgage brokers, we can help you achieve your goals!

You can have confidence that we will listen to you and your unique situation and help secure the best loan deal possible for you. This may be your second mortgage, and if so, you would have been through the mortgage journey before. Let us guide you through the process this time round, and take all the stress and work out of the situation for you. Looking after you is our business!

When it comes to investment property, it pays to understand your financial commitment

Investing in property is quite common in New Zealand and no doubt you know someone who does this already. If you’re looking to go down this path, we suggest you talk to us first and get expert financial advice. To achieve your financial goals and the best results, you need to understand your financial commitment.

Investment property can be a great option if you’re wanting to add to your overall income with rental income, diversify your investment options, help your children get a foot in the property ladder or look to make profit if house prices rise and the value of the home continues to increase. Talk to us today about what you’re wanting to achieve so we can recommend the best solution.

Understand the real value a mortgage advisor/broker provides. You might be surprised.
Check out the median house price for your location, and what this actually means.

Find out what your repayments might be

Thinking of investing in property but not sure where to start? The knowledgeable team at Rapson can help.

We have successfully assisted many clients in securing a loan for an investment property and helped those active in the property investment market, make progress and increase their investment portfolio.

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

In the most part, no, there is no cost to use Rapson Loans & Finance. We can assist you with securing a loan or a mortgage. You provide the information, and we do all the work for you. The lenders pay our commission.

There are very few cases, where the process is more complex, and a non-standard loan is required; in these circumstances a fee may be charged. We’re upfront about this and you will be told of this in advance, so you can choose whether you wish to proceed. 

We’re independent mortgage brokers, with no affiliation to any particular bank, real estate or group. This means there is no ‘product flogging’. We take the time to understand you and your unique situation and recommend a solution that is BEST for you, no one else. We use a wide variety of lenders and we have the ability to negotiate the best deal for you: be it interest rates, cash contributions, or re-submission of a loan deal that may have been declined.

We provide more than a mortgage. All our services are underpinned by our sound financial planning and advice – your financial wellbeing is at the heart of everything we do. Plus, we operate 7 days a week and will meet with you at a time and location that’s convenient for you.

We make it easy for you to complete an application. You provide us the information and we do the work! With us, you only need to complete one application form which can be used by all banks; you don’t need to go to each bank separately and fill out their application form.

Plus, we have over 50 years’ experience in the banking and finance industries, so we know what banks are looking for. And because the lenders pay our commission, 99% of our mortgage deals are paid for by the banks, which means you don’t pay anything for our service. If there are any costs associated with a non-standard loan we will always be upfront about this, enabling you to decide if you wish to take the matter further.

Yes, of course. Given we are independent, we have greater flexibility. We understand that everyone’s circumstances are different; some people are busy at work during the day (or night), others are at home with young families; so we can meet you whenever, wherever, you like. We want to take any pain points away, so we will make ourselves available when you need us.

Given we are independent, we have no affiliation with any one bank, or any one lender. We can secure funding from all the major New Zealand and Australian owned banks and also funding from trusted non-bank lenders. The beauty of this, is you have more options available to you, all from one place.

Consider Insurance NOW, before you’ve secured the property