Home Loans
and Refinancing.

Get the right mortgage with expert help

A mortgage is more than a loan. It’s a tool that can help you buy your first home, grow your investment portfolio, refinance existing debt, or unlock equity for personal or business needs. At Finance Corp., we specialise in helping Kiwis access smart, tailored finance, with options across major banks and trusted non-bank lenders.

Why work with a mortgage adviser?

Many people turn to their bank first, but every lender has different rules, rates, and risk appetites. As licensed financial advisers, we give you access to the full lending market, including:

Major New Zealand banks
Non-bank lenders offering flexible terms and alternative credit criteria
Specialist lenders for self-employed borrowers, those with credit issues, or unique situations

If your bank says no, we may still have a solution.

Mortgage & Lending Services

We offer a range of tailored lending solutions for individuals, couples, families and businesses:

✅ First home loans & property finance

Owner-occupied homes
Investment properties
Holiday homes and baches

✅ Mortgage refinancing

Switch banks for better rates or terms
Consolidate debt into your mortgage
Access home equity for other purposes

✅ Bridging finance

Cover the gap between buying and selling
Short-term options while preparing to list your home

✅ Interest-only home loans

Reduce repayments temporarily while restructuring or recovering

✅ Non-conforming mortgages

Solutions for borrowers who don’t meet traditional bank criteria

Who is a non-conforming borrower?

If you’ve been declined by a bank, you’re not alone and may not be out of options. We help people with:

Credit history issues (e.g. defaults, arrears)
High existing debt levels
Self-employed or commission-only income
Casual or contract work
Older age, affecting loan terms

Some clients face multiple challenges. That’s where our experience really helps.

Understanding mortgage terms

🔒 Fixed rate - Your interest rate stays the same for a set term. Common durations are 6 months to 5 years. Great for budgeting and stability.

🌊 Floating rate - Your interest rate moves with the market. Repayments can go up or down, but you can make extra payments anytime without penalty.

💬 Interest-only - You pay interest only (no principal), usually for a short term. Useful for temporary financial relief or investment strategy.

📊 LVR (Loan-to-Value Ratio) - This is the percentage of your home’s value you’re borrowing. Example: A $750,000 mortgage on a $1,000,000 property = 75% LVR

Fixed or floating – which is better?

There’s no one-size-fits-all answer. Your best option depends on:

Your income
Your financial goals
Your risk tolerance
Current and projected interest rate trends

Many clients choose a mix, splitting their mortgage between fixed and floating for more control and flexibility. We’ll help you structure your loan to suit your life.

How do I apply?

To find the best home loan or mortgage solution, we need some simple information.

You’ll need to provide:

ID (NZ passport or driver’s licence)
Proof of address (e.g. utility bill or bank statement)
6 months of recent bank statements (we can help you connect these securely)

Home Loans and Refinancing.

Home Loans
and Refinancing.