Home loan advice, by phone, wherever you are in NZ
We're a team of mortgage advisers based in Papakura, Auckland. We compare home loans from a panel of lenders and help you find one that suits you. Your first call is free, with no cost and no obligation.
Expert Help For Every Home Loan Situation
As mortgage brokers, we've helped hundreds of Kiwis buy their first home, build investment portfolios, and refinance for better rates. Here's how we can help you.
First Home Buyers
Wondering how much you can borrow or how much deposit you need to buy a house? We'll guide you through the whole process, from using your KiwiSaver savings towards your deposit, to getting your finance lined up before you house-hunt and finding a home loan that suits you.
Investment Property
Ready to start or grow your property investment portfolio? We'll help you maximise your borrowing capacity, access equity from existing properties, and find competitive investor rates. If it's your first rental or your fifth, we'll structure your lending for long-term portfolio growth.
Refinance
Refinancing could lower what you pay over the life of your loan, but it doesn't suit everyone. We'll review your current mortgage, compare it with options from the lenders on our panel, and show you the likely costs and savings before you decide. Whether you want lower repayments, access to equity, or a better loan structure, we'll handle the switch for you.
See What You Can Afford
Use our mortgage calculator to get a clear picture of your borrowing power and repayments. It takes less than a minute, and you'll have a solid starting point for your property journey.
Calculate Your MortgageA panel of lenders
Banks
- ANZ
- ASB
- BNZ
- Westpac
- Kiwibank
- TSB
- SBS Bank
- The Co-operative Bank
- Heartland Bank
- China Construction Bank (New Zealand)
Non-bank lenders
- Pepper Money
- Liberty
- ASAP Finance
- Avanti Finance
- Basecorp Finance
- Cressida Capital
- First Mortgage Trust
- Funding Partners (CFML)
- Unity
- Plus Finance
- Finbase
- Simplify
- The Lending People
- Vincent Capital
- Welcome
- Xceda
Business lending only
- Prospa
- Bizcap
Our advice is limited to the lenders on our panel. See our Disclosure page.
Why Work With Capital Finance?
We work with a panel of lenders, including banks and non-bank lenders. We'll compare your options and recommend what suits your situation.
We work with diverse situations If you're self-employed, new to New Zealand, a first-home buyer, or a seasoned investor, our team of mortgage advisers understands different lending scenarios and knows which lenders to approach for your circumstances.
We handle everything From calculating what you can borrow to managing applications and negotiating terms, we take care of the entire process. You get clear advice, and we do the heavy lifting.
Experience you can trust We've helped hundreds of Kiwis secure home loans and business funding. Your first call is free, with no cost and no obligation, and there's no pressure.
Your Trusted Financial Partners
We're a team of mortgage advisers based in Papakura, Auckland, working with clients across New Zealand. We've helped hundreds of Kiwis get into their first home, grow their property portfolios, and secure business funding.
What drives us? We believe getting good financial advice shouldn't be complicated or intimidating. Whether you're buying your first home, refinancing for a better rate, or funding your business, we'll take the time to understand your goals and show you the options that fit.
Book your free first callFinance To Grow Your Business
If you need working capital, want to purchase property, or need equipment to expand, we'll find flexible funding solutions that fit your business.
Business Loans
Need capital to hire staff, increase inventory, or expand operations? We'll secure business lending that aligns with your cash flow, whether you need short-term working capital or long-term growth funding.
Commercial Loans
Buying commercial property or refinancing your existing premises? We work with lenders who understand commercial property and can structure loans that support your business strategy.
Asset Finance
From work vehicles and trucks to machinery and equipment, we'll help you finance the assets you need without tying up working capital. Flexible terms mean you can invest in growth when the opportunity's right.
Frequently Asked Questions
Not at all. Smaller banks and non-bank lenders may offer rates and terms that suit you better than the big banks. A mortgage adviser can help you compare options and find a rate and loan that match your goals.
You'll need photo ID, at least three months of bank statements, recent payslips, and details of any debts. If you're self-employed, provide your business financials too. Supplying clear documents helps your mortgage adviser present your application well.
Make extra repayments when possible to cut interest and shorten your loan term. Use an offset account to reduce daily interest and keep your repayments steady even when rates drop. Your mortgage adviser can review your loan with you regularly to help you stay on track.
If you have equity in your home, you may not need a cash deposit for property investment. Many lenders accept usable equity instead, subject to LVR limits. A mortgage adviser can help you access your equity and find lenders with competitive rates for investment properties.
Yes, it's possible to get a New Zealand mortgage while living abroad. Lenders assess overseas income differently, so requirements vary. Your mortgage adviser can help find lenders that suit non-resident borrowers and your circumstances.