Mortgage Advice

There are many types of mortgages available on the market and it can be confusing to know which one is right for you, so we have have outlined the basics below. 


A number of factors will determine if a mortgage rate is good and these factors always relate directly to your personal circumstances. A mortgage rate that is good for you, may not be good for someone else. NZFS will help you get the best rates.

First Home Buyers

Buying a home is considered to be a complicated and stressful process, but it does not need to be. We can guide you through the process and can offer the expert mortgage advice specific to your circumstances.

Buying a home can take a number of weeks, as there are a number of different factors that need to be taken into account. Our advisers will discuss your personal circumstances with you, such as your income, outgoings, future plans and savings.


Remortgaging is where you switch the mortgage on your home to another lender or negotiate a better deal with your existing one. It effectively means replacing your current mortgage contract with a new one.


There are many reasons why you may wish to remortgage, but they usually fall into one of three categories. No matter what your reason may be though, it's important to speak to an adviser beforehand.

  • Securing A Better Deal

  • Protection Against Rate increases

  • Releasing the Equity

Mortgage Restructuring

A homeowner generally applies for a mortgage loan restructure to obtain affordable the repayments while owning the home. A mortgage restructure takes place when the borrower and lender work out new repayment terms on an existing mortgage. 

The way your mortgage is structured today doesn’t have to be the way it’s structured tomorrow. What are your goals? To free up your funds, reduce your repayments or pay off your loan quicker? These three strategies offer something to almost everyone.

  • Paying extra repayments to pay reduce the principal.

  • Restructure your mortgage.

  • Refinance your loan.


If you’ve been thinking about starting that project – like a new bathroom, kitchen, or even a deck for summer, you can do it now. Topping up or redrawing on your home loan could be a simple way to ease this project.

To top up your mortgage you'll need to have more than 20% [approx.] equity in your property. You may already have the equity in your property, or you could have built the equity from an increase in the value of the property  or by having reduced the principle loan by making the extra repayments.


We can get you the best rates on loans from the different banks as we have been dealing with them over the last 13 years and built strong relationships with their lending teams.  

Business & Commercial Loans

As we have strong relationships with a range of business and commercial lending specialists and the major banks, we are able to assist with business finance for expansions, investment funding, leasing, purchase or refinance of commercial properties, retail shops, industrial land, factories and offices or cash flow lending.