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First Home BuyerRefinanceInvestment PropertyRenovation LoanLoan to BuildBridging FinanceTop Up / RestructureBusiness LendingCommercial LendingProperty DevelopmentHome Loan Rates NZLow Deposit Mortgage
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Expert mortgage advice for every stage of life

From first home to investment portfolio, we have the expertise and lender relationships to find the right mortgage solution for your unique situation.

Call 09-553 6223
Registered Financial Adviser
Same-day response
30+ lenders & insurers
Servicing NZ families since 2023
2025 NZA Top 25 Broker

Find the right solution

First Home Buyer

First Home Buyer

Buying your first home is one of the biggest financial decisions you'll make. We make the process simple and stress-free, helping you understand your options, eligibility for government schemes, and securing the best rate.

Understand your borrowing power
Access to First Home Loan scheme
Compare 30+ lender options
Guidance from application to settlement

Common questions

You need to meet income caps (under $95k single or $150k combined), have a 5% deposit minimum, and be buying a home to live in. We'll assess your full eligibility for free.
Yes — after 3 years of KiwiSaver contributions, you can generally withdraw most of your balance to help fund your first home purchase. We'll assess your KiwiSaver balance and eligibility as part of your free consultation.
From first consultation to unconditional approval typically takes 2 weeks, depending on your situation and the lender.
Refinance

Refinance

Refinancing could save you thousands over the life of your mortgage. Whether you want lower rates, better terms, or to consolidate debt — we compare the market to find the best deal for your current situation.

Review your current rate against market
Access cash equity from your property
Consolidate personal loans or credit cards
Restructure to better suit your life stage

Common questions

If your fixed term is ending, if market rates have dropped significantly, or if your circumstances have changed, it's a great time to review. We recommend a free review at least once a year.
Break fees may apply if you're mid-fixed-term. There are also legal fees (~$800–1,200). However, savings often far outweigh these — we'll run the numbers for you.
Yes, though options may be limited below 20% equity. We can still explore competitive options and outline a path to improving your position.
Investment Property

Investment Property

Building a property portfolio is a proven wealth strategy for New Zealanders. We help investors structure lending to maximise returns, navigate LVR restrictions, and grow their portfolio strategically.

Investment LVR & structure advice
Portfolio lending strategies
Tax-efficient structures
Rental yield & serviceability analysis

Common questions

Typically, you need 30% deposit towards established properties under the current Reserve Bank of New Zealand rules. If you were looking to purchase newly built property for investment purpose, you may be able to with 10% deposit, and benefit from discounted interest rates under the Reserve Bank of New Zealand exemption policy. If you have existing equity in property or savings, we may be able to use towards the next investment purchase.
Yes — equity in your primary residence can often be used as the deposit for an investment, allowing you to enter the market without needing saved cash.
This depends on your individual tax situation and goals. We work alongside your accountant to ensure the lending structure aligns with your investment strategy.
Renovation Loan

Renovation Loan

Turn your house into the home you've always envisioned. Renovation loans let you access equity or top up your mortgage to fund improvements, often at better rates than personal loans.

Access home equity for renovations
Compare top-up vs. personal loan options
Staged draw-downs for major projects
Advice on maximising property value

Common questions

You can top up your existing mortgage (cheapest option), apply for a construction/renovation loan, or use a personal loan for smaller amounts. We'll find the best fit.
It depends on your current equity and the expected value of the renovated property. Lenders typically lend up to 80% of the property's current or post-renovation value.
For structural or significant work, council consent is required. We can liaise with lenders who have specific products for consented renovation projects.
Loan to Build

Loan to Build

Building your dream home from the ground up? Construction loans work differently from standard mortgages. We specialise in navigating the build process and ensuring your finance is structured for success.

Progress payment draw-down structure
House & land package lending
Finance for turnkey builds
Builder & contract review support

Common questions

Unlike a standard mortgage, funds are drawn down in stages as construction progresses (land, foundation, frame, lock-up, practical completion). Interest is charged only on what's drawn.
Most lenders require a fixed-price building contract with a registered master builder. We'll guide you through what documentation is needed.
Yes - KiwiSaver can be used for the deposit on a new build subject to meeting the criteria.
Bridging Finance

Bridging Finance

Found your dream property before selling your current home? Bridging finance provides short-term funding so you don't miss the opportunity. We help you navigate this efficiently and cost-effectively.

Short-term funding bridge (3–12 months)
Avoid selling under pressure
Capitalise interest during bridge period
Clear exit strategy planning

Common questions

It's a short-term loan that covers the gap between buying your new property and selling your existing one. The loan is repaid when your current home sells.
Typically 3–12 months. Most lenders require a clear exit strategy (usually the sale of your existing property) with evidence it's on the market.
Rates are usually slightly higher than standard mortgages, and there are additional fees. However, the flexibility it provides often outweighs the cost. We'll model it out for you.
Top Up / Restructure

Top Up / Restructure

Life changes — and so should your mortgage. Whether you need extra funds, want to restructure your repayments, or split between fixed and floating, we'll help you optimise your position.

Access equity for any purpose
Split fixed & floating optimally
Review and reprice your loan
Cashback opportunities from lenders

Common questions

Yes — common reasons include home renovations, purchasing a car or investment, business capital, or consolidating debt. Lenders require you to have sufficient equity.
Restructuring involves changing the terms of your loan — such as the split between fixed and floating, the loan term, or consolidating multiple loans. It can reduce your interest cost significantly.
If you're breaking a fixed term, yes. We'll calculate the exact break cost upfront so you can decide if restructuring makes financial sense.
Business Lending

Business Lending

Running a business in New Zealand comes with unique lending challenges. We understand business financials and have strong relationships with lenders who specialise in SME and self-employed borrowers.

Self-employed mortgage solutions
Business working capital loans
Equipment & vehicle finance
Director-guaranteed lending

Common questions

Absolutely. Lenders will want to see 2 years of financial statements, but with the right preparation and presentation of your financials, self-employed borrowers can access competitive mortgage rates.
Typically 2 years of financial statements, 2 years of tax returns, and evidence of income. Some lenders also accept alternative income verification — we'll advise on the most appropriate route.
Business lending typically covers operating needs (cash flow, equipment) while commercial lending involves property-secured transactions. Both are areas we specialise in.
Commercial Lending

Commercial Lending

For businesses investing in or expanding commercial property, we provide access to competitive commercial lending through our panel of specialist lenders. Offices, retail, warehouses, and mixed-use.

Commercial property purchase & refinance
Owner-occupied vs. investment property
Development site funding
Mixed-use & industrial property finance

Common questions

Commercial loans typically go up to 65% LVR, though this varies by lender, property type, and the strength of the lease. Owner-occupied commercial can sometimes go to 70%+.
Yes — commercial rates are typically 1–2% higher than residential due to additional risk. We'll ensure you access the most competitive commercial rates available.
The commercial property itself is the primary security. Lenders also assess the quality of any tenancy, the property location, and the borrower's balance sheet.
Property Development

Property Development

From small townhouse developments to larger residential projects, we have access to specialist development funders and understand how to structure finance for your project at every stage.

Pre-sale & presold funding
Land acquisition loans
Construction funding
JV & mezzanine finance introductions

Common questions

Most mainstream lenders require 75–100% presale coverage (by value) before releasing construction funding. Some non-bank lenders offer more flexible terms.
Yes — smaller developments (2–4 lots) can often be funded under standard residential construction products, which are more flexible and cost-effective than commercial development loans.
Typically: land acquisition → design & consent → construction draw-downs → completion. We'll structure your finance to align with each stage and minimise holding costs.
Home Loan Rates NZ

Home Loan Rates NZ

Understanding current home loan rates is key to making the right decision. We monitor the market daily and have access to special rates not available to the public. Here's what you should know.

Live market rate monitoring
Access to special broker-only rates
Fixed vs. floating rate analysis
Rate lock & rate break advice

Common questions

Fixed rates offer certainty; floating rates offer flexibility. A split approach is often optimal. We'll model out the scenarios for your specific situation and goals.
This depends on your view of interest rate movements, your life plans, and your risk tolerance. We'll give you a clear analysis of the tradeoffs at different terms.
Yes — as brokers we have access to rates below the advertised carded rates at multiple lenders. The savings can be substantial over the life of a loan.
Low Deposit Mortgage

Low Deposit Mortgage

Don't have a 20% deposit? You're not alone — and there are still strong options available. From the First Home Loan (5% deposit) to Kāinga Ora schemes, we'll identify every avenue open to you.

First Home Loan (5% deposit)
Kāinga Ora First Home Partner
Using KiwiSaver for deposit
LMI & low equity fee navigation

Common questions

With the First Home Loan scheme you can buy with as little as 5% deposit. Without the scheme, most lenders require 10% as a minimum, though low equity fees apply below 20%.
Lenders charge a higher interest rate or a one-off fee when your deposit is below 20%. We'll calculate the exact cost and compare it against your options.
KiwiSaver, family gifting, savings are the main routes. We'll assess your situation and identify what's available.

Ready to take the next step?

Book your free, no-obligation consultation. We'll assess your situation and outline the best path forward.

Call 09-553 6223

Or email us at info@skfg.co.nz

09-553 6223 021 074 9825 info@skfg.co.nz 3024a Great North Rd, New Lynn, Auckland