Take a moment to picture entering your house for the first time. A location that is completely your own, where you can create memories and start a life, gives you a sense that is unlike any other. But let’s face it, getting there may be a difficult and stressful task. It’s simple to feel overwhelmed while sifting through endless real estate listings or navigating the intricate world of mortgage finance.
We provide a variety of services to help you get the ideal house loan for your needs because we are aware that each person and family has specific wants and circumstances. From affordability to bank selection, we’re here to help.
The best thing, though? No fees are assessed for any of our services. Yes, we are here to support you at no cost to you, whether you need some early advise or are prepared to apply for your mortgage.
Are you a first-time home buyer in New Zealand?
Smartlife is here to help you navigate the home buying process with ease.
Here’s why you should choose us:
Our mortgage brokers will guide you through the entire home buying process. We'll arm you with all the information you need to make informed decisions, help you steer clear of potential traps, and sort out the best possible deal from the bank.
We've put together a comprehensive guide with answers to all your questions, including those you haven't thought of yet. It's designed to make the home buying process as smooth and stress-free as possible.
Our mortgage brokers are experienced professionals who can help you figure out how much you can afford to borrow, where to buy your first home, access property reports, arrange inspections and valuations, look over legal documents, and get a great deal from the bank with the best structure for your mortgage.
We're just an email or phone call away if you get stuck with something. No question is a stupid question in our books. We're committed to providing you with personalised support throughout the home buying process.
In today’s market, most mortgage lenders demand a minimum deposit of 20%, making it difficult for first-time buyers to enter the housing market. With a First Home Loan, however, you need just put down 5% to purchase your first house.
Kāinga Ora guarantees First Home Loans issued by a restricted group of banks and other lenders. This makes it possible for the lender to extend credit to borrowers who wouldn’t otherwise qualify.
Talk with our smart advisors about your needs and goals for a First Home Loan
Your interest rate will be determined by your financial situation, the amount you wish to borrow, the period of your loan, your income, and your credit history.
Our broker fees are typically covered by the lenders.
First-time purchasers must put down at least 5%. This deposit may be funded via a KiwiSaver first home withdrawal or a gift.
In addition to a deposit, you must be able to pay for the following expenses:
• Solicitor fees
• Builder’s report
• LIM report
• Registered valuation
• Moving costs.
Indeed, this is something we routinely do for a wide range of current customers.
Refinancing is a completely new mortgage and an opportunity to reorganise in a way that better matches your unique situation.
There are many individual factors that influence a person's decision to refinance, such as financial stability, future plans, and current interest rates.
This is determined by the type of loan and the lender. Several lenders want at least 20% equity for conventional mortgage loans. Our advisors will assist you throughout the entire process.
Yes. Debt consolidation loans are fairly widespread and are a terrific tool to help individuals budget better, stay on top of their expenditure payments, and pay off debt faster, usually at a lower combined interest rate.
Several variables go into calculating a loan's monthly payments. Primarily, the loan's principal amount, interest rate, and maturity date. You may plug the numbers into our handy calculator to see how these considerations will affect your spending plan. Repayments can be made by direct debit once a week, twice a month, or once a month.