Buying a home is one of the biggest financial decisions you’ll ever make. Whether you’re purchasing your first property, building your dream home, or expanding your investment portfolio, we help New Zealanders navigate the home loan process with confidence.
At OneStop Financial Solutions, we’re independent mortgage brokers, which means we work for you – not the banks. With access 10+ NZ lenders, we compare home loan options across the market to find the one that fits your circumstances and goals.
Financial Advice Provider Licence: FSP702911
There’s no such thing as a standard home buyer. Some of our clients are saving for their first deposit. Others are self-employed, have faced credit challenges, or want to build rather than buy. Whatever your situation, we’ve helped people just like you secure a home loan.
Here’s an overview of the home loan solutions we offer. If you don’t see your situation listed, get in touch anyway – chances are we can help.
Stepping onto the property ladder for the first time can feel overwhelming, but it doesn't have to be. We guide first home buyers through the entire process, from understanding your borrowing power to accessing government support like the First Home Grant and Kāinga Ora First Home Loan scheme. Many first home buyers don't realise they may qualify for a home loan with less than 20% deposit – we'll help you understand your options and find a lender that suits your situation.
Don't have a 20% deposit saved? You're not alone, and it doesn't necessarily mean you can't buy. We work with lenders who offer home loans for buyers with smaller deposits, including 10% and even 5% deposit options for eligible borrowers. Low deposit home loans are subject to specific criteria, but we can assess your situation and let you know what's possible. For many buyers, getting into the market sooner – even with a smaller deposit – makes more financial sense than waiting years to save more.
Through schemes like the Welcome Home Loan, eligible buyers can purchase with as little as 5% deposit. Some lenders also offer 10% deposit options outside of government schemes, though these may come with conditions like lender's mortgage insurance or interest rate margins. We explain the trade-offs clearly so you can make an informed decision about whether a low deposit home loan is right for you.
A few missed payments or a past financial setback shouldn't define your future. If you've been declined by a bank due to credit history, we can explore alternative options through our network of non-bank lenders. These lenders take a more flexible view of your circumstances and focus on your current situation rather than past mistakes. Many of our clients start with a non-bank home loan and refinance to a mainstream lender once their credit has recovered.
Earning a modest income doesn't automatically disqualify you from home ownership. Lenders assess affordability based on your expenses as well as your income, and some are more flexible than others. We look at your full financial picture and identify lenders whose criteria you're likely to meet. Combined with government support schemes and smart budgeting, many New Zealanders on lower incomes have successfully purchased homes with our help.
If you're self-employed, a business owner, or your income comes from non-traditional sources, getting a home loan can feel harder than it should be. Banks often struggle to assess variable income, but that doesn't mean you're out of options. We specialise in helping business owners and self-employed borrowers find home loans that work with their income structure. We also assist clients who need to refinance their existing home loan to support business needs, such as releasing equity for working capital or consolidating business debt.
Building your own home (either by managing the project yourself or taking on some of the construction work) requires a different type of financing. Owner builder home loans involve staged payments and additional oversight from lenders, and not all lenders offer them. We work with lenders experienced in owner builder arrangements and guide you through the documentation and draw-down process.
Whether you're building a new home with a registered builder or undertaking a major construction project, you'll need a home loan structured around progress payments. Construction home loans release funds in stages as building milestones are completed, which means the application process is slightly different from a standard home loan. We handle the complexity and coordinate with your builder, solicitor, and lender to keep things on track.
Already own your home and want to renovate, extend, or upgrade? A home improvement loan lets you borrow against the equity in your property to fund the work. This can be more cost-effective than personal loans or credit cards, and the improvements may increase your property's value. We assess your equity position and find a lender offering competitive rates for home improvement lending.
Sometimes repairs can't wait – whether it's a leaky roof, rewiring, or earthquake strengthening. If you don't have savings to cover urgent repairs, a home repair loan secured against your property can provide the funds you need. We help you access your equity quickly and find a lending solution that doesn't stretch your budget.
Buying a lifestyle block, farmhouse, or rural property comes with different lending considerations. Some lenders have restrictions on property size, zoning, or distance from urban centres. We know which lenders are comfortable with rural properties and can match you with one that understands the unique aspects of rural home ownership in New Zealand.
Purchasing an investment property requires a different approach to owner-occupied lending. Loan-to-value ratio (LVR) requirements are stricter for investors, and lenders assess rental income differently. We help property investors structure their lending efficiently, navigate LVR restrictions, and access competitive rates across multiple investment properties.
Working with OneStop Financial Solutions is straightforward. Here’s what to expect:
To get started, we usually ask for:
We’re Independent: We don’t work for any bank or lender. We work for you. That means our advice is based on what’s best for your situation, not on sales targets or lender relationships.
Access to Multiple Lenders: We compare home loan options from major banks, non-bank lenders, and specialist financiers. This gives you more choice and a better chance of approval – especially if your situation is outside the ordinary.
We Understand Complex Situations: Self-employed? Bad credit? Low deposit? Building your own home? We’ve helped borrowers in all of these situations secure home loans. Where others see obstacles, we look for solutions.
Our Service is Usually Free: In most cases, our service costs you nothing. Lenders pay us a commission when your home loan settles. This doesn’t affect your interest rate, and it means we’re motivated to get your loan across the line.
Local Expertise: As a New Zealand-based team, we understand the local property market, lending regulations, and government schemes. We stay up to date with changes so you don’t have to.
We’re With You for the Long Term: Our relationship doesn’t end at settlement. We offer ongoing reviews to make sure your home loan continues to work for you, and we’re here whenever you need advice.
Matt is a registered financial adviser (FSP702911) and genuinely passionate about helping New Zealanders achieve their property goals. His expertise lies in property investing and complex income structures.
We work with a wide range of lenders to give you genuine choice. Our panel includes major banks, smaller banks, and specialist non-bank lenders.
Different lenders suit different situations. Some specialise in first home buyers, others in self-employed borrowers or investment lending. Some are more flexible on credit history. By working with multiple lenders, we can match your application to the one most likely to say yes – and offer the best terms.
Most lenders require 20% for owner-occupiers and 35% for investors. However, first home buyers may qualify for loans with as little as 5% deposit through the First Home Loan scheme. We can assess your situation and explain what deposit options are available to you.
Yes, it’s possible. While mainstream banks are often strict on credit history, non-bank lenders take a more flexible approach. They focus on your current situation and ability to repay. Many of our clients start with a non-bank home loan and refinance to a bank later.
For most home loans, our service is free. Lenders pay us a commission when your loan settles, which doesn’t affect your interest rate. In some complex situations, a fee may apply – we’ll always discuss this with you upfront.
Absolutely. Self-employed borrowers face extra hurdles, but we specialise in helping business owners secure home loans. Lenders typically want to see two years of financial statements, though some are more flexible. We know which lenders work best for self-employed applicants.
Most residential properties qualify for standard home loans. Rural properties, lifestyle blocks, and unusual constructions may have restrictions with some lenders. We know which lenders are comfortable with different property types and can guide you accordingly.
Pre-approval typically takes 2–5 working days. Full approval after finding a property usually takes 5–10 working days from complete application. Settlement timing depends on your purchase agreement.
OneStop Financial Solutions helps clients across New Zealand. While we have an office in Highland Park, Auckland, and work with clients nationwide through phone, video call, and email.
Our main service areas include:
Whether you’re buying your first home, building from scratch, or growing your property portfolio, we’re here to help you find the right home loan for your situation. Book a free consultation with Matt to discuss your options. There’s no obligation and no pressure – just practical advice tailored to you.
