Getting a mortgage can feel like death by 1,000 tick boxes. Let Buddy cut through the bureaucracy and help you get the best mortgage rate around.
Apply now
Need a new car, new roof, new hip, a new deck or about to be newly weds? Some things can’t wait. By adding a top-up loan to your existing mortgage we can keep interest rates low and repayments affordable. Talk with Buddy about what you need and we’ll help you make it work.
Topping up your home loan is often a smarter move than taking out a personal loan or using credit cards. You get access to lower rates and longer repayment terms, which can ease the pressure on your monthly budget. We’ll show you how a top-up fits into your overall lending and whether it affects your current fixed-rate terms.
We’ll also help you run the numbers using a home loan calculator or mortgage calculator so you can see what your repayments might look like with the top-up added. And as mortgage brokers, we’ll check if your current lender is still offering the best home loan mortgage rates, or if it’s worth reviewing the whole structure while you’re at it.
Buying your first home can feel like trying to climb Mt Ruapehu on rollerblades. For most of us, it’s a real financial struggle and then all the banks have different lending rules, interest rates, minimum deposits and pre-approval requirements. We’ve been doing this for ages, so we know all the ins and outs, and how to get you into your first home.
We’ll guide you through everything—from how much deposit you really need, to using your KiwiSaver and a first home buyer grant (if you’re eligible), to understanding what’s actually affordable long-term. We also explain how things like low equity margins and fixed vs floating rates work, in a way that makes sense.
You’ll know what to expect at every step. We’ll help with pre-approval, work through your loan options, and support you all the way to settlement. Whether you're buying a unit, townhouse, or your first family home, we’ll help you get the keys without the guesswork.
As a starting point, if you want to find out how much you can borrow and what your repayments would be, try our free mortgage calculator.
There’s more to owning an investment property than having the funds. We know because we’re property investors too and have been working in the industry for over two decades. The playing field is constantly changing, so whether you’re starting out or a seasoned investor, you need experts who live and breathe property by your side.
We’ll help you structure your lending in a way that works for long-term growth—whether that’s interest-only loans, revolving credit, or splitting lending across multiple banks. Tax rules, interest deductibility, and ownership structures can trip you up if you’re not careful. We work with your accountant or solicitor to get things set up properly from day one.
We’ll also compare mortgage options across the banks to help you access the best home loan rates in New Zealand for your investment. And if you’re running numbers, we can walk you through them or help you use our home loan calculator so you know exactly what to expect before you commit.
The end of a fixed term is the perfect time to reassess. Do you want to improve cashflow, reduce your term, lock in an affordable long term rate or free up some funds for something else? We’ll weigh up the options and help choose what’s right for you.
The end of a fixed term is the perfect time to reassess. Do you want to improve cashflow, reduce your term, lock in an affordable long-term rate, or free up some funds for something else? We’ll weigh up the options and help choose what’s right for you.
Different banks offer different deals when it comes to refixing. We’ll do a full home loan comparison and check if switching lenders or refixing with your current bank gives you the best result. Sometimes, the bank’s default offer isn’t the most competitive — especially with how fast mortgage rates in NZ can change.
If you’ve built up home loan equity, this could also be a chance to access extra funds for renovations, investing, or paying off other debt. We’ll show you what’s possible, and if it makes sense for your situation. Want to run the numbers? We can help with that too — or point you to our home loan calculator to give you a quick view.
It could be time to fine-tune your finances. If you’re looking for a lower interest rate, to consolidate debt, to borrow more or pay your mortgage off faster then it’s worth running through your options with Buddy.
Refinancing can open up new possibilities—like accessing equity, improving cashflow, or rolling in other loans. We’ll do a full home loan comparison and look across lenders to find out if you’re getting the best home loan rates available. Sometimes even a small drop in your interest rate can make a big difference over time.
If you’re self-employed or own a business, we’ll make sure any small business loans or credit facilities are factored in correctly so your new structure is both affordable and bank-friendly. As specialists in mortgage refinance, we’ll help you make the switch without the hassle—managing timelines, paperwork, and any bank cashback offers you might be eligible for.
You're the backbone of the economy and yet you have to bend over backwards to get a mortgage. That’s not fair. We specialise in small business and sole trader applications, ensuring your financials and forecasts are presented to the bank in the best possible light.
Getting a home loan when you’re self-employed can feel like an uphill battle—especially if your income doesn’t look tidy on paper. We understand how small business loans, fluctuating income, and business expenses impact your application. We know what banks look for, and we’ll frame your situation in a way they understand and accept.
If you’re new to business, we can still help. Whether you're using recent trading history or working from forecasts, we’ve helped many clients with loans for business start ups get into their first or next home. We’ll handle the back and forth with the banks and keep it simple for you.
Running your own business doesn’t mean giving up on home ownership. With the right support, structure, and a bit of smart thinking, you can get there—and we’ll be in your corner every step of the way.
%20(1).png)
.png)
