Your Trusted Mortgage Broker in Tauranga & The Bay
Living in the Bay is a dream for many, from the beachside lifestyle of Mount Maunganui and Papamoa to the family-friendly avenues of The Lakes and Bethlehem. But with Tauranga’s competitive property market, finding the right finance can be a challenge.
At EasyMortgage, we cut through the jargon and the bank bureaucracy. As your local mobile mortgage advisors, we help you navigate the Tauranga market with confidence. Whether you are building a new home in Papamoa East, buying your first apartment in the CBD, or refinancing a family home in Otūmoetai, we fight to get you the best rates and terms available.
Ready to talk? We come to you
Or call us now on 0800 124 024
Why Tauranga Locals Choose EasyMortgage
The Tauranga market moves fast. You need a broker who moves faster.
We Know the Local Market: From “leaky building” checks in older Mount apartments to “turn-key” packages in new subdivisions, we know what lenders look for in Tauranga properties.
Construction Loan Specialists: Building in the Bay is popular. We are experts in Progressive Drawdowns and Turn-Key contracts, helping you finance your build from the land purchase to the final coat of paint.
Access to Multiple Lenders: We don’t just work with the big four banks. We have access to second-tier lenders and specialist providers for self-employed locals or those with unique income structures.
100% Free Service: For standard residential lending, our service is free to you. The lender pays us, but we work for you.
Our Tauranga Home Loan Services
For First Home Buyers
Tauranga property prices can be daunting. We help first-home buyers bridge the gap. We’ll assess your eligibility for the First Home Grant, help you utilize your KiwiSaver, and structure your application to prove affordability to the banks, even in a high-price market.
For Property Investors
Tauranga 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.
Refinancing & Refixing
With property values in Tauranga having shifted recently, you might have more equity than you realize. We can help you refinance to release cash for renovations, consolidate debt, or simply secure a lower interest rate to reduce your weekly payments.
Building & Construction Loans
With so much growth in Pyes Pa and Papamoa, many of our clients are building. Construction loans are more complex than standard mortgages. We manage the bank’s requirements for fixed-price contracts and progress payments so you can focus on your build.
Frequently Asked Questions About Tauranga Mortgages
I want to build in Papamoa. How much deposit do I need?
Construction lending rules can differ from buying an existing house. In many cases, you may only need a 10% depositfor a new build (Turn-Key contract), whereas existing homes often require 20%. We can clarify exactly what you need based on your specific building contract.
Do you service areas outside of Tauranga City?
Absolutely. We are mobile across the wider Bay of Plenty. We regularly help clients in Te Puke, Katikati, Omokoroa, and everywhere in between.
Can you help if I’m self-employed?
Yes. Tauranga is a hub for small business owners and contractors. We know which banks lend based on 1-year financials and which ones prefer 2 years. If you haven’t submitted your latest tax returns yet, we also have non-bank options that look at your GST returns or bank statements instead.
Lets Talk, We're Here.
Speak with a trusted mortgage expert today and explore the right options for you.
Phone: 027 438 4847 / 0800 124 024
Email: contact@easymortgage.co.nz