Mortgage Broker Tauranga
Buying a home in Tauranga is one of the biggest financial decisions you’ll make. Whether you’re a first home buyer stepping onto the property ladder, refinancing your existing mortgage, or growing your investment portfolio, having the right mortgage broker on your side makes all the difference.
At OneStop Financial Solutions, we take the stress out of the home loan process. From December 2026, we’ll be based in Tauranga and serving clients across the Bay of Plenty. We work with a wide panel of New Zealand lenders to find the right loan for your situation. Our job is to do the legwork, negotiate the best rates, and guide you from application through to settlement.
Our Mortgage Services
First Home Buyers
Getting your first home in the Bay of Plenty can feel overwhelming. We help you navigate the full process, from understanding your borrowing power to getting the keys in your hand.
We'll help you with:
- Working out how much you can borrow and what repayments look like
- Accessing your KiwiSaver first home withdrawal to boost your deposit
- Applying for the Kāinga Ora First Home Loan, which allows eligible buyers to purchase with as little as 5% deposit
- Understanding LVR (loan-to-value ratio) requirements and how they affect your options
- Securing pre-approval so you can make offers with confidence
Our director Matt Willoughby has a particular interest in helping first home buyers get into their first property, and consistently earns 5-star Google reviews for his hands-on approach and clear communication throughout the process.
Property Investment Lending
Growing a property portfolio requires a lender who understands investment lending, and a broker who knows how to structure your loans for long-term success. In 2026, Matt was featured in NZ Property Investor Magazine for his expertise in multi-dwelling property investment and long-term portfolio building. As an active property investor himself, Matt has hands-on experience in yield analysis, cash flow management, subdivision strategy, and multi-income dwellings. Matt brings real-world ownership insights to every conversation, in addition to lending advice.
We assist investors with:
- Structuring loans across multiple properties to maximise tax efficiency and flexibility
- Interest-only lending options where appropriate
- Accessing equity in your existing properties to fund new purchases
- Understanding how the CCCFA (Credit Contracts and Consumer Finance Act) affects your borrowing capacity as an investor
- Working with both bank and non-bank lenders to find solutions when mainstream banks say no
Whether you’re looking for an investment home near Otumoetai Primary School or a prime position in Mount Maunganui, the team at OneStop Financial Solutions are here to assist.
Refinancing & Next Homes
If your current home loan no longer works for you, refinancing could save you thousands. We review your existing mortgage and compare options across our lender panel to ensure you're getting the best possible deal.
Common reasons clients refinance with us:
- Securing a lower interest rate at the end of a fixed term
- Consolidating debt into a single, lower-cost loan
- Releasing equity for renovations, investment, or other goals
- Restructuring to pay your mortgage off faster
- Moving from one bank to another for better service or terms
Whether you have a family home in Brookfield, or a lifestyle property in Welcome Bay, we look forward to helping you achieve a mortgage that works for you now, and into the future.
Construction & New Build Lending
Building a new home comes with a different lending process to buying an existing property. Construction loans are drawn down in stages as your build progresses, and not every lender handles this in the same way. We work with lenders experienced in construction lending and guide you through the progressive drawdown process so your build stays on track financially from consent through to code of compliance.
The Bay of Plenty is one of New Zealand's most active regions for new housing. Under the Western Bay of Plenty City and Regional Deal signed in May 2026, around 15,000 new homes are planned over the next decade across three key growth corridors:
- Eastern corridor: Pāpāmoa East (Wairakei), Te Tumu, and Golden Sands, offering coastal living with new subdivisions continuing to release stages
- Northern corridor: Ōmokoroa and Katikati, with Ōmokoroa rapidly expanding as a harbour-side commuter community and developments like Puna Rua underway
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Western corridor:
Tauriko West, which is expected to deliver up to 4,000 new homes from around 2027, along with Keenan Road and Belk Road
Other active build areas include Pyes Pā, Te Puke, Three Creeks Estate, and Waihi. Whether you're building on your own section, purchasing a house and land package, or developing a multi-unit site, we can help structure the right lending for your project.
New builds also come with lending advantages worth knowing about. The Reserve Bank's LVR rules allow banks to lend at lower deposit thresholds for new builds, making them an attractive option for both owner-occupiers and investors looking to enter the market with a smaller deposit.
Why Use a Mortgage Adviser?
A mortgage adviser works for you, not the bank. Instead of being limited to one lender’s products, we compare options across a wide panel to find the loan that fits your situation. Our service is typically free to you. We’re paid a commission by the lender, and this doesn’t affect the interest rate you receive.
Using a broker means:
- Access to multiple lenders, including options you may not have considered
- Expert guidance on loan structuring, repayment strategies, and rate types (fixed, floating, offset, revolving credit)
- Someone who handles the paperwork, chases up valuations and conditions, and keeps the process moving
- Ongoing support. We’re here for the life of your loan, not just the initial application
About OneStop Financial Solutions
OneStop Financial Solutions was established in 2016 by director Matt Willoughby. We provide clients a genuine ‘one stop’ solution for any financial need.
Matt holds a full licence issued by the Financial Markets Authority to provide financial advice (FSP702911). He has been featured in NZ Property Investor magazine and consistently earns 5-star Google reviews for his communication, professionalism, and commitment to getting the best results for his clients.
Whether you’re a first home buyer in Pāpāmoa, a seasoned investor across the Bay of Plenty, or looking to refinance in Mount Maunganui, our team is here to help.
What Our Clients Say
OneStop Financial Solutions consistently receives 5-star Google reviews from clients across the Bay of Plenty and New Zealand.
Here’s what they have to say:
Frequently Asked Questions
What are the pros and cons of using a mortgage adviser?
The main advantage of using a mortgage adviser is access. Instead of being limited to one bank’s products, a broker compares options across multiple lenders and recommends the loan that best fits your situation. A broker also handles the paperwork, liaises with the lender on your behalf, and can often negotiate better terms than you’d get walking into a bank on your own. The trade-off is that not all brokers have access to every lender, and the broker’s recommendation is based on the panel they work with. At OneStop Financial Solutions, we work with a wide panel of New Zealand lenders to ensure we’re giving you genuine choice.
Can a mortgage broker get me more money?
Every lender has its own lending criteria and responsible lending obligations under the CCCFA. But different lenders assess income, expenses, and risk differently. Where one bank might say no or offer a lower amount, another may take a more favourable view of your situation. A broker knows which lenders are more flexible for your circumstances and can present your application in the best possible light, which can make a difference to the amount you’re approved for.
Does a mortgage broker charge a fee?
In most cases, no. Mortgage brokers in New Zealand are usually paid a commission by the lender when your loan settles, so there’s no cost to you. The interest rate and loan terms you receive are the same as if you’d gone directly to the lender. In some situations (such as complex or non-standard lending) a fee may apply, but this would always be discussed and agreed with you upfront before any work is done.
Can a mortgage adviser get me a better interest rate?
Often, yes. Because brokers place volume with lenders, they can sometimes negotiate rates or cash contributions that aren’t available to walk-in customers. A broker also knows which lenders are most competitive at any given time, so they can direct your application to the lender offering the best deal for your loan size, LVR, and situation. Even a small difference in rate can save thousands over the life of your mortgage.
Can I change mortgage brokers?
Yes, you’re free to change mortgage brokers at any time. If you’ve already submitted an application through another broker, there may be some practical considerations (such as whether the lender will accept a new broker on an existing application) but there’s no contractual lock-in that prevents you from switching. If you’re not happy with the service or communication you’re getting, we’d encourage you to get in touch. We’re happy to pick things up from wherever you’re at in the process.
Book Your Free Consultation
If you’re looking for a mortgage adviser in Tauranga and the Bay of Plenty region, don’t hesitate to reach out. We offer a free, no-obligation consultation to discuss your goals and work out the best path forward.