Mortgage brokers who find you better deals
We're independent, which means we work for you, not the banks. Whether you're buying your first home, refinancing for a better rate, or funding your business, we'll compare the market and secure the best solution for you.
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 entire process, from accessing your KiwiSaver government contribution and applying for the HomeStart Grant, to securing pre-approval and finding the best home loan rates for first-timers.
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 your home loan to get the best mortgage rates could save you thousands over the life of your loan. We'll review your current mortgage, compare it against today's rates, and show you exactly how much you could save. 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 MortgageNew Zealand's Top Lenders
Why Work With Capital Finance?
As independent mortgage brokers, we have access to New Zealand's leading lenders, not just the main banks. We'll compare your options and recommend what genuinely works best for 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. Our advice is free, won't affect your credit score, and comes with no pressure or obligation.
Your Trusted Financial Partners
We're a team of mortgage advisors 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 best path forward.
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- 100% Customer Satisfaction
Finance 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. Many smaller banks, online lenders, and non-bank lenders offer the best home loan rates and best mortgage rates that might suit you better than the big banks. A mortgage advisor or mortgage broker can help compare options and find competitive house mortgage rates matched to 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 broker secure the best mortgage rates for your situation faster.
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 advisor can review your loan regularly to ensure you stay on track for the best home loan rates.
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 broker can help you access your equity and find lenders offering the best mortgage 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 broker can help find lenders that suit non-resident borrowers and offer the best home loan rates for your circumstances.