Expert guidance through every step of your home loan journey, from first home buyers to seasoned property investors.
With access to many lenders and years of experience, and a personalised approach, we find the loan that fits your life – not just a rate.
Financial Advice Provider License: FSP702911
A lot can change over the course of your mortgage. As property prices go up, interest rates fluctuate, and your personal circumstances change, a home loan that might have been right for you a few years ago may not be the best option for you now.
Let’s change that. Here at OneStop Financial Solutions, we provide leading mortgage lending, refinancing, and refixing services that keep your needs as a homeowner front and centre.
Whether you want to secure a lower interest rate, pay off your home loan quicker, or consolidate debt, we’ll work our magic to negotiate the best deals on the market and provide expert advice to help you make a more informed decision.
Our mortgage brokers offer a variety of mortgage products to cater to different homebuying needs. Whether you’re taking your first step onto the property ladder or expanding your investment portfolio, our team has the expertise to guide you through.
Here are some of the lending products available:
These loans have an interest rate that remains the same for a specific period, typically ranging from 1 to 5 years, before reverting to a floating rate or being renegotiated. They offer predictability in payments and are popular among New Zealanders.
Also known as variable rate mortgages, these have an interest rate that can go up or down depending on market conditions. This option can be beneficial if interest rates drop, but it also means your payments could increase if rates rise.
These loans require you to only pay the interest on the mortgage for a certain period, after which you start paying both principal and interest. This can be advantageous for property investors looking to minimise monthly costs while planning to sell the property for a profit later.
This type of mortgage allows you to use your savings account balance to offset the balance of your mortgage, thereby reducing the amount of interest you pay. For example, if you have a mortgage of $300,000 and savings of $50,000, you would only pay interest on $250,000.
Similar to an overdraft, this mortgage provides a credit limit that you can draw down or pay off at any time. This flexibility can be useful if you have fluctuating income or want to aggressively pay down your loan faster without early repayment penalties.
A reverse mortgage allows New Zealand homeowners aged 60+ to borrow against their home's equity without making repayments until the property is sold or they permanently leave. NZ lenders offer a no-negative-equity guarantee, so borrowers never owe more than their home's sale value.
Our New Zealand mortgage brokers also have access to government programs like the First Home Loan and Kāinga Ora options, designed to help first-time home buyers and low-to-medium income earners enter the housing market.
Working with our mortgage brokers in New Zealand can help you navigate these options and find the mortgage that best fits your financial situation and homeownership goals. We also assist with understanding the terms and conditions of each loan type, ensuring you make an informed decision.
Buying your first home is exciting – and overwhelming. We simplify the process by helping you understand your borrowing capacity, identifying suitable loan products, and guiding you through current government schemes. Our advisers take the time to explain everything in plain language, so you feel confident at every stage.
Already have a mortgage? You might be paying more than you need to. We review your current loan structure, compare options across our lender panel, and identify opportunities to reduce your interest costs, consolidate debt, or free up equity. Many of our clients save thousands over the life of their loan through strategic refinancing.
Building a property portfolio requires a different approach. We help investors navigate loan-to-value ratio (LVR) restrictions, structure loans for tax efficiency, and secure competitive rates across multiple properties. Our team understands the nuances of investment lending, including interest-only periods, equity release, and cross-collateralisation.
Building a new home or undertaking major renovations involves staged payments, builder contracts, and specific lending requirements. We work with lenders who specialise in construction finance and guide you through the draw-down process, helping you manage costs and timelines effectively.
Need to access the equity in your home for renovations, investments, or other purposes? We assess your current position and arrange additional funding through your existing lender or a new one – whichever delivers the best outcome for your situation.
Before you start house hunting, a pre-approval gives you clarity on your budget and demonstrates to vendors that you're a serious buyer. We handle the application process and help you understand any conditions attached to your approval, so there are no surprises when you find the right property.
Great advice usually has a cost, but our expertise is free to first home buyers because the bank pays us! Banks pay us a commission because do the hard work for them. Most importantly, we are strictly ‘unaligned’, which means we are not obligated to do business with one particular bank over any other, which means you’re always getting the best options and advice based on which bank is best for you.
Our process is designed to make your mortgage journey as smooth as possible. Here’s what to expect when you work with OneStop Financial Solutions:
To get started, we typically require:
We work with a wide range of lenders to ensure you have access to competitive options, regardless of your circumstances.
Having multiple lenders on our panel means we can match your application to the lender most likely to approve it – and offer the best terms for your situation. Some lenders specialise in first home buyers, others in self-employed borrowers or investment lending. We know which lenders suit which scenarios.
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. Matt says, “I enjoy the problem solving aspect of mortgage broking. When a client has been told no by their bank, I see it as a challenge to find a way to make it work.”
A mortgage broker acts as an intermediary between borrowers and lenders. Our primary role is to assess your financial situation, offer advice on the affordability and suitability of various mortgage products, and then facilitate the application process with the chosen lender. We have access to a wide range of mortgage products and lenders, which allows us to find competitive rates and terms tailored to your needs. Learn more about what a mortgage broker does here.
Using a mortgage broker instead of going directly to a bank can offer several advantages. A broker can save you time by handling the comparison shopping and negotiation with lenders on your behalf. We have access to more loan products than a single bank can offer, increasing your chances of finding a mortgage that best suits your financial situation. Sometimes, our mortgage brokers can access exclusive deals unavailable on the open market. We offer a personalised service to guide you through the home buying process.
In New Zealand, the mortgage broker is usually paid by the lender, not the borrower. The commission received is generally a percentage of the loan amount, which the lender pays out once the mortgage is settled.
On average, obtaining pre-approval can take a few days to a week, while full approval could take anywhere from a couple of weeks to a month or more. It’s important to start the process well before you purchase a property and promptly provide your mortgage broker with all the necessary documentation to avoid delays.
Most lenders require a 20% deposit for owner-occupiers and 35% for investors. However, if you’re a first home buyer, you may be eligible for a First Home Loan with as little as 5% deposit. We can assess your situation and identify the minimum deposit required for your circumstances.
No, we are independent mortgage brokers and do not work for specific banks or lenders. Our goal is to serve the best interests of our clients by offering products from a range of lenders. We list the lenders we work with in our disclosure statement.
Self-employed borrowers can get a mortgage, though the process may be slightly different. Lenders typically want to see two years of financial statements or tax returns. Some non-bank lenders are more flexible if you have a strong deposit or shorter trading history. We specialise in helping self-employed clients find suitable lending.
Each credit enquiry can have a small impact on your credit score. However, by using a broker, we minimise unnecessary enquiries by identifying the most suitable lender before submitting your application. We don’t ‘shop’ your application to multiple lenders simultaneously.
Yes, our mortgage brokers can help if you have bad credit. We have experience dealing with various credit situations and can advise on the best lenders for those with poor credit. We also provide guidance on how to improve your credit score to secure a better mortgage rate.
