Your Local Mortgage Broker in Rotorua

We aren’t just a voice on the phone from Auckland. We understand the unique dynamics of the Rotorua property market. We know which lenders are favorable toward specific property types in our region and how to present your application to get a “Yes.”

Here is how we help Rotorua locals get ahead:

• We Do the Legwork: We deal with multiple banks and non-bank lenders on your behalf, saving you hours of appointments and paperwork.

• Better Than Bank Rates: Brokers often have access to special rates or can negotiate better terms than what is advertised in a branch window.

• Mobile Service: We understand you’re busy. We can meet you at your home, your workplace, or a local café anywhere in Rotorua, at a time that suits you.

• Our Service is Free: In most cases, our service comes at no cost to you. The lender pays us a commission when your loan settles.

Getting your foot on the property ladder in Rotorua can be tough. We specialize in helping first-time buyers navigate the process, including accessing your KiwiSaver and understanding Kāinga Ora First Home Grants and loans, ensuring you maximise every bit of help available.

Rotorua remains a strong market for investment. Whether you are looking at long-term rentals or tapping into the short-term accommodation market given our tourism appeal, we can help structure your loans to maximise tax efficiency and grow your portfolio.

Are you paying too much on your current mortgage? If your fixed term is ending, don’t just auto-renew with your current bank. Let us review your situation to see if refinancing to a new lender could lower your repayments, provide a cash contribution, or release equity for renovations.

• OCR: 2.5% – Rate cuts expected to gradually improve borrowing costs
• One-year fixed rates: 4.49% – 4.99%
• Two-year fixed rates: 4.49% – 5.75%
• Floating rates: Approximately 6.00%
• Note: Rates differ by lender and borrower profile. Many prefer short fixed terms for flexibility.

1. Calculate your deposit requirement: Typically 5-20% of the home price.
2. Explore government support: Use Kainga Ora First Home Loan and KiwiSaver funds.
3. Prepare for additional costs: Legal, LIM report, building inspection, insurance.
4. Seek pre-approval through expert brokers: Know your borrowing limit early.
5. Buy with confidence: Financing secured and broker guidance every step.

Download First Home Buyers Guide

Typically, banks require a 20% deposit. However, there are options for first home buyers to purchase with as little as a 5% deposit through specific low-deposit lending criteria or the First Home Loan scheme. We can assess your situation to see if you qualify.

Yes. We understand that life happens. While main banks may say no, we work with a range of specialist non-bank lenders who look at the whole picture, not just your credit score. We have helped many Rotorua locals secure a home loan despite past credit issues.

We cover the entire Rotorua district and wider Bay of Plenty. We regularly help clients in suburbs like Lynmore, Springfield, Owhata, Ngongotahā, Pukehangi, and Fairy Springs.