Our East Tamaki Mortgage Brokers Are Your Partners for NZ Home Loans

At OneStop Financial Solutions, we’re more than just mortgage brokers – we’re your neighbours in East Tamaki, dedicated to helping you achieve your dream of owning a home, whether you’re a first-time buyer, a seasoned investor, or looking to renovate your existing property.

Why Choose OneStop Financial Solutions in East Tamaki?

Local Expertise: We understand the East Tamaki property market like the back of our hand, giving you a distinct advantage. Whether you’re looking to buy in Dannemora, East Tamaki Heights, Mission Heights or surrounds, we can help.
Personalised Service: Forget cookie-cutter lending. We curate your mortgage to your unique lifestyle, budget, and goals.
Best Rate Guarantee: We work tirelessly to secure the most competitive interest rates available, saving you money on your home loan.
Free Financial Health Check: Get a personalised assessment of your financial situation and discover the best path to homeownership.

Mortgage Advisers for First Home Buyers

Taking your first step onto the property ladder can feel overwhelming. That’s where we come in. As experienced mortgage brokers, we’re dedicated to guiding first-home buyers through every stage of the journey.

We’ll help you understand the mortgage process, determine your borrowing power, and compare loan options from multiple lenders to find the best fit for your unique situation. We’ll help you access your KiwiSaver to maximise your deposit, and make a plan to build it back up for retirement.

Forget the jargon and confusing paperwork—we’ll explain everything in plain English and provide clear, unbiased advice every step of the way. This includes offering strategies for debt reduction in the initial phase to maximise your borrowing power.

Talk to us about insurance, both for your home and your personal insurance needs. Our mortgage brokers in Auckland are here to help you achieve your dream of homeownership – confidently and stress free!

Specialist Residential Investment Loans

Let’s build your property portfolio together. We offer:

ZInvestment Property Loans:
Optimise your investment strategy with bespoke financial services.
ZExpert Investor Advice:
Leverage our market knowledge and insights to make informed decisions. We're completely independent, and property investors ourselves.
ZRefinance Options:
Explore refinancing opportunities to potentially reduce your monthly payments and increase cash flow.

Mortgage Solutions for Home Renovations

Dreaming of that extra bedroom, a luxurious kitchen, or a stunning bathroom upgrade? We make home renovations a reality with home improvement loans. Access flexible financing options tailored to your renovation needs.

We’ll guide you through the different types of renovation loans available in New Zealand:

Top-Up Home Loan: If you already have a mortgage, we can help you increase your existing loan amount to cover renovation costs.
Construction Loan: For major renovations or extensions, a construction loan provides funding in stages as the project progresses.
Personal Loan: Suitable for smaller renovation projects, a personal loan can offer a lump sum for financing your improvements.
Second Mortgage: This option allows you to borrow against the equity you’ve built in your home, providing a separate loan for your renovations.

We Negotiate the Best Rates For Your Home Loan

We’ll leverage our lender relationships to secure competitive interest rates and flexible repayment terms tailored to your budget. If you’re ready to breathe new life into your home, contact us today to discuss your renovation goals and explore the financing options to make them a reality.

Self Employed and Non Standard Loans

We believe everyone deserves a chance at homeownership. Our compassionate and understanding team specialises in working with self-employed and non-standard income situations, including those with less than perfect credit histories.

Let us help you create a personalised plan to achieve your homeownership goals. Get in touch with us today for a no obligation discussion. We look forward to helping you get the best deal and buy your new home.

Connect with East Tamaki’s Trusted Mortgage Experts Today!

Don't wait any longer to turn your East Tamaki homeownership dream into reality.

Call us now at 021 022 17130 or schedule a free consultation here.

Chat to a Home Loan Specialist (No Cost, No Obligation)

Please complete your contact information and one of our East Tamaki specialists will be in touch.

Frequently Asked Questions for Our East Tamaki Mortgage Brokers

I'm a first-time buyer in East Tamaki. How much deposit do I need?

The deposit amount varies depending on your individual circumstances and the type of property you’re buying. In general, you’ll need at least 5-20% of the property’s value.

What are interest rates like in East Tamaki compared to other areas?

Interest rates reflect market trends and are comparable across Auckland. Your specific interest rate will depend on factors like the loan amount, loan term, credit history, and how much deposit you have saved.

Are there any specific lender requirements for East Tamaki properties?

Lenders assess properties based on location, property type, and condition. Some areas might have specific requirements based on zoning or building regulations. Our team is familiar with East Tamaki’s nuances and can guide you through any lender-specific requirements.

I want to renovate my existing East Tamaki home. Can I refinance my loan to cover the costs?

Yes, refinancing your existing loan can be a good way to access funds for renovations. We’ll help you explore options based on your current loan amount, equity in your property, and renovation plans.

What are the benefits of using a local mortgage broker in East Tamaki?

Choosing a local broker like OneStop Financial Solutions means benefiting from our in-depth knowledge of the East Tamaki market, connections with local lenders, and personalised service.

Do you offer mortgages for investment properties in East Tamaki?

Absolutely! We specialise in investor mortgages and can help you secure financing for rental properties in East Tamaki, consider investment strategies, and navigate the specific requirements of becoming a landlord in the area.

What does a mortgage broker do?

A mortgage broker acts as an intermediary between you and lenders. We help you find the best mortgage product for your needs by assessing your financial situation, comparing loan products, getting approval from a lender, and offering our guidance and support.

Why should I use a mortgage broker instead of going directly to a bank?

We work with multiple lenders, giving you more choices and potentially better rates than approaching just one bank. Our brokers have in-depth knowledge of the mortgage market and can provide unbiased advice for your specific situation. We also handle the legwork of comparing lenders and negotiating on your behalf, saving you time and stress. And – as we are paid a commission by the lender, our services are usually free for you.

How much does a mortgage broker cost?

Our Auckland mortgage brokers do not charge a fee directly to the borrower. We are paid a commission by the lender when your loan settles. If there is an upfront fee, we will advise you of this. View our disclosure statement for more information.

What documents do I need to provide to a mortgage broker?

To help you get the right loan for your needs we will require identification, proof of income, your expenses, and your existing assets.

What if I have bad credit? Can a mortgage broker still help me?

Yes, our mortgage brokers specilaise in helping clients with bad credit. We work with specialist lenders for non-bank loans who cater to borrowers with credit challenges.

How long does the mortgage approval process take?

The approval process can take anywhere from a few weeks to a few months, depending on factors like the complexity of your application, the lender’s processing times, and any additional documentation required.

Can I switch my mortgage to a different lender?

Yes, you can refinance your existing mortgage with a different lender. Our East Tamaki mortgage brokers can help you compare refinancing options and find a deal that suits your current needs.

Our East Auckland Clients Love Our Mortgage Brokers

			
							Matt and his team were brilliant. They helped out, and answered every question I had every step of the way. And with their help and knowledge, I was ultimately able to make "what previously seemed to only be a dream" turn into a reality! And that was to purchase my first property! At the ripe age of 47 I may add 🙂. Thanks again for everything guys! Yous rock!			

				Michael Wong			

			 08/06/2024
			
							Matt has stuck with me after some ups and downs,a couple of banks and we got there, I was great full for the let's try again, try another bank and I got there. Fully recommend 🙂			

				Martin Hastie			

			 15/05/2024
			
							Matt and his team were absolutely amazing. We highly recommend them. Communication was amazing, we couldn't have bought our house without them.			

				Catherine Moss			

			 16/04/2024
			
							Matt and his team are amazing! Would recommend them to everyone.			

				Sylvia Mulcahy			

			 16/04/2024
			
							Onestop has been the biggest help with buying our house. Matt and Rue especially have put quality into their work. Matt explained everything in detail including making educational videos on what was happening going through the entire process step by step. Rue helped with completing all work with great urgency when we had last minute changes to our documents. The work that this team has produced given us the best opportunities. Biggest recommendation.			

				Carlos Flores-lim			

			 15/01/2024
			
							Excellent service. I highly recommend Matt and his team A+			

				Ma Hemar			

			 15/01/2024
			
							Absolute pleasure to work with Matt and his team. Achieved great success in purchasing our new home.			

				Stephanus Dorfling			

			 15/01/2024
			
							Matt Has provided me some great information on both my kiwi saver and insurance. He was able to save me money as well as get me more coverage on my current policy. His kiwi saver information was fantastic. Matt took the time to understand my needs and morals around where my money would be invested and provide me a couple of options to look at. If you want someone who has lots of information up to date on technology and provide you honest and good results Matt is your guy			

				Dominic Earl-Peacock			

			 15/12/2023
			
							Matt & team. Thanks for the super effort and guidance through the mortgage application process. Best in the business and can highly recommend Matt's services.			

				Brenda Lesser-Dorfling			

			 15/10/2023
			
							This is now the second time I have used Matt for his financial services and he delivered again in a rough period for banks lending too. I would definately recommend him to anyone looking for a broker as he makes the whole mortgage process very simple. Thanks Matt for all the amazing work you have done for us!			

				Terry Hill			

			 15/10/2023
			
							Using Matt and his team was a game-changer. From the get-go, their clarity in communication and promptness in response stood out. Their in-depth knowledge of products across home loans, insurance and KiwiSaver gave me the confidence that I was making the right choices. The cherry on top? Their warm and welcoming nature that made the entire process feel like a breeze. A great experience from start to finish – can't recommend them enough!			

				Josh Kumar			

			 15/10/2023
			
							A couple of years ago Matt showed me an amazing spreadsheet which led to me buying another house which I’m about to settle. Everyone should know what Matt taught me. He and his team have been amazing with their advice and facilitation of everything. Can’t speak highly enough about Matt and his team.			

				Ngawai Henare			

			 15/08/2023
			
							Matt is awesome to work with. Made purchasing our 1st home easy			

				Marie Kite			

			 15/07/2023
			
							I absolutely 100% recommend Matt. Not only is he damn good at what he does, Matt also humanises the whole industry and process. Before Matt was my broker I found everything so daunting but Matt made everything easy and took so much stress off me - giving so much help, guidance and simplifying every step of the way. Most importantly, he made getting my dream home happen!			

				Angie F			

			 15/03/2023
			
							Matt and his team is really great at what they do... always keep you posted on the proceedings and give genuine advice. Keep up the great work @Matt Willoughby			

				VIKAS JARIYAL			

			 15/03/2023
			
							Patient and knowledgeable. Matt guided us through our first home purchase and, a few years later, organised insurance for the family (with a pretty non-standard situation and series of requests). Thanks again!			

				Damian Sycamore			

			 15/03/2023
			
							Matt is a highly efficient professional. He’s a pleasure to deal with and was very helpful in coming up with a plan that suited our situation. He’s an investor himself so can provide sound advice around building a property portfolio unlike a lot of brokers who only know loans and insurance. I highly recommend his services and look forward to using Matt again for our next investment property. Thanks mate 😁			

				Mitchell Nock			

			 15/03/2023
			
							Matt is an excellent financial advisor who guided us through the tricky process of securing our mortgage. Very thorough and professional, yet friendly and relatable would be how I would describe Matt’s approach.			

				Dan Frost			

			 15/03/2023
			
							We were over the moon when we found out our finance had been approved for this beautiful home. We purchased a home for our parents as they were getting the boot out of their rental and it was important that we gave them a stable home. Would definitely recommend these guys and will return. Thanks again Matt			

				Nicole Faulkner			

			 15/03/2023
			
							Matt and the One Stop team were incredibly helpful securing my mortgage and insurance. He thought out side the box and worked hard to overcome a few hurdles along the way. He was incredibly professional yet relatable and approachable. He made my first home buying experience incredibly smooth and easy. Thanks Matt!			

				Gavin Woodward			

			 15/03/2022