Home Loans

Helping Kiwis onto the property ladder and beyond

Get an experienced Mortgage Adviser on your side

 

Max Mortgages is one of New Zealand’s leading mortgage advisory businesses. Whether you’re buying your first home, looking to refinance, or have a challenging credit history, our experienced advisers are here to help. We specialise in securing competitive home loans that suit your financial goals, ensuring a smooth and stress-free journey towards home ownership.

 

Trust Max Mortgages to guide you every step of the way with personalised support and professional service.

Find the right home loan for you

 

Click each type of home loan to find out more or fill out the form below to contact us today.

Bad Credit  Home Loans

First Home Buyer

Words “mortgage refinance” with magnifying glass

Mortgage Refinancing

Not sure what type of loan you’re looking for?

Just contact us using the form below and we can help you choose the best loan for your needs.

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Choose Max Mortgages for the right home loan, anywhere in New Zealand

 

At Max Mortgages, you will experience personalised financial solutions tailored to your unique needs. From our humble beginnings in 2012 as Max Loans, we have grown into the Max Money Group, specialising in competitive mortgage solutions for every stage of life. Our expertise simplifies the complex mortgage landscape, making it easy for you to make informed and confident decisions.

 

You will benefit from our extensive knowledge of mortgage rates and structures and access to a wide range of lenders, including major banks and non-bank lenders. This experience and expertise ensure you receive the best possible mortgage deal while we handle all the paperwork to enhance your chances of approval.

 

Regardless of your financial situation—whether you have a small deposit, need a competitive interest rate, are self-employed, or have bad credit—we are here to find a home loan that fits your needs. Our Max Insurances division also offers comprehensive insurance policies to protect your assets and save you money.

 

Contact us today to discover how we can support your home loan journey.

Transparent

We’re upfront and helpful regarding every stage of the mortgage process, providing detailed information about loan options and maintaining open communication to help you make informed decisions.

Experienced

Our extensive experience in New Zealand’s home loan market allows us to provide tailored advice, secure competitive rates, and navigate complex lending criteria to ensure you receive the best possible solutions.

Trustworthy

Our experience, communication, and personalised service ensure you can make decisions comfortably and confidently, knowing you have reliable, helpful information and compassionate assistance.

Home Loans FAQs

A 20% deposit is typically required to secure a home loan in NZ, but that percentage can vary. Some lenders offer low-deposit loans with as little as 10% or even 5%, depending on your financial situation and the type of loan.

The size of your deposit affects your interest rate and the amount you can borrow. A larger deposit usually results in a lower interest rate and reduces the lender's risk, potentially lowering overall loan costs.

Deposits can come from various sources, including personal savings, KiwiSaver funds, family contributions, and, in some cases, equity from another property. Each source may have different requirements and implications for your loan application.

Interest rates fluctuate regularly and vary depending on the lending institution. Visit our Home Loan Interest Rates page to view current interest rates among the many lenders that Max Mortgages works with.

The amount you can borrow depends on your income, expenses, credit history, and the lender's criteria. Generally, lenders will assess your ability to repay the loan and the property's value to determine the maximum loan amount.

Several factors can influence interest rates, including the Reserve Bank's cash rate, the lender's policies, your credit score, loan amount, and the type of loan. Fixed and variable rates may also vary depending on market conditions.

Home loans can be fixed-rate, variable-rate, or interest-only. Fixed-rate loans have a stable interest rate for a set period, while variable-rate loans can fluctuate. Interest-only loans allow you to pay only the interest for a certain period before repaying the principal.

Eligibility criteria include:

  • A stable income
  • A sufficient deposit
  • Meeting the lender's specific requirements
  • The lender will also consider your debt-to-income ratio and the property's value.

Apply now with Max Mortgages, and we'll help you through every stage of the mortgage application journey.

You must provide:

  • Identification
  • Proof of income (such as payslips or tax returns)
  • Bank statements
  • Details of existing debts
  • Information about the property you intend to purchase
  • Depending on the lender's requirements, additional documents may be required.

The approval process can take anywhere from a few days to a few weeks, depending on the lender and the complexity of your application. Providing complete and accurate documentation can help speed up the process.

Finance for Kiwis from people who care

Read how we’ve helped other Kiwis with their mortgages and home loans.

Customer reviews are collected independently through Feefo. Feefo connects directly with our customers to collate and publish customer feedback. In other words, you can be assured that the feedback you see here has come directly from our customers!

Are you getting the best Mortgage Rates?

 

Explore the latest home loan interest rates from various NZ mortgage lenders. Contact us to learn more about current mortgage trends and how they could affect you!

View Interest Rates
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