Buying a home, refinancing, or growing a property portfolio can feel overwhelming — especially with changing lending rules, bank requirements and interest rate updates across New Zealand. Our goal is to make residential lending simple, transparent and stress-free.
At One Stop Financial, we provide full residential lending services across New Zealand, helping first-home buyers, homeowners, investors and self-employed borrowers secure the right loan with confidence. Whether you’re comparing banks, exploring non-bank options, or planning a long-term lending strategy, we’re here to guide you every step of the way.
We support New Zealand borrowers from the first question to the final approval.
Our New Zealand advisors help you:
From fixed and floating rates to offset and revolving credit options, we help you choose the right structure for your home loan — and negotiate competitive rates for your situation.
Buying your first home in New Zealand comes with unique rules, grants and lending pathways. We help you understand what you can borrow, how to structure your deposit, and how to navigate Kāinga Ora First Home Loan and First Home Grant requirements.
Property investment lending in New Zealand has changed significantly, especially around interest deductibility, LVR restrictions and rental yield calculations. We guide you through the latest rules and help you secure lending that supports your investment strategy.
If the banks have said no, or your situation doesn’t fit standard bank criteria (self-employment, credit history, irregular income), we can help you explore flexible non-bank or specialist lender options.
Markets change. Your mortgage should too. We review your current lending, check whether you’re paying more than you need to, and help you structure a loan that suits your goals today.
Building a home or undertaking major renovations requires staged lending, valuations, and bank approvals at each step. We guide you through the process and help ensure funds are released smoothly throughout your build.
Whether you’re buying your first home, refinancing, or planning your next investment, we’re here to help you make confident, informed decisions.
Complete our form below and we’ll be in touch for a no obligation chat. We’ll guide you through your options and create a personalised lending plan tailored to your goals.
