Our Services

At Lifestyle Mortgages, we understand that your home is more than just four walls. It's a reflection of your unique lifestyle. That's why we offer personalized mortgage advice tailored to your specific needs and dreams. Whether you're seeking a coastal retreat, a rural escape, or a property with acreage, our experienced team will guide you through the entire process, from finding the right lender to securing the best possible financing options. Let us help you turn your lifestyle dreams into a reality.

First Home Buyers

New to the mortgage market? Don’t worry, we’re not. We’ll answer all your questions, helping you into your first home as quickly as possible.

Getting Started with Your First Home Loan

If you’re wondering what you can afford, the kind of deposit needed, if you can get help from family, or whether you get a loan even if you have bad credit. Or what the difference is between fixed and floating rates, we have all the answers. We are here to help.

Our mortgage experts offer special products to help you achieve your dream of owning a home. We help you understand the changes in loan-to-value restrictions and what this may mean for you and your first home mortgage (and how we get better rates from the Bank!)

First Home Buyer's Loan Application

Four easy steps to get your mortgage sorted.

Home Loan Application: Apply online or over the phone, with basic information such as income, current debts, and deposit abilities.

Whether you have perfect credit or not, (not everyone has a perfect track record and we have great mortgages for those with bad credit or arrears) give us a call to find out what we can do for you. We’ll advise you immediately of all your options and get you on the path to homeownership fast.

Pre-Approval: When the Bank says “We like this deal” we get a written offer outlining the conditions, home loan size and rates indication. Then you can go house hunting with confidence.
Conditional approval: The Bank has seen the whole deal, including property, almost ready to go.
Unconditional Approval: When the Bank says “Yes” formally – start packing!
Settlement: The big day! Home loan funds are released from the Bank to your Solicitor and you can move right in.

Your Investment Property Specialists

Invest in Your Future:

Real estate investment offers a powerful path to financial growth. By adding investment properties to your portfolio, you can build wealth, diversify your assets, and secure your long-term financial future.

Unlocking Investment Opportunities:

Traditional bank lending for investment properties often requires substantial deposits (typically 30%). At Lifestyle Mortgage, we can help you secure financing with up to 80% LVR (Loan-to-Value Ratio), significantly reducing your upfront investment.

Our Expertise:

Access to Exclusive Lenders: We have strong relationships with a network of lenders offering competitive rates and flexible terms for investment properties.
Personalized Guidance: Our experienced mortgage advisors will guide you through the entire investment process, from property selection to loan application.
Negotiation Power: We leverage our expertise to negotiate the best possible interest rates and loan terms on your behalf.

Whether you're a seasoned investor or just starting, Lifestyle Mortgages can help you achieve your investment goals. Contact us today for a free consultation.

Refinance your current lending

Refinancing:

Refinance Smarter with Lifestyle Mortgages:
- Fed up with restrictive bank policies?
- Looking to consolidate high-interest debt?
- Dreaming of a better rate?
We Offer Competitive Solutions:
- Access refinancing options with up to 85% Loan-to-Value (LVR) – higher than many banks.
- Utilize your equity for a variety of purposes, such as:
  - Debt consolidation
  - Home renovations
  - Investment property deposits
  - Supporting family members
Independent Advice, Unbiased Solutions:
- We're independent of any single bank, providing you with access to the best options across the market, including banks, non-banks, finance companies, and private funds.
Easy Application:
- Apply online quickly and easily, or call us directly to speak with an expert advisor.

Construction loan

Building Your Dream Home: Financing Made Easy

Planning to build your dream home? Let Lifestyle Mortgages guide you through the financing process. We'll help you secure the right loan to bring your vision to life.

Building vs. Buying: A Quick Comparison

Feature Building Buying

Why Choose Lifestyle Mortgages

Expert Advice: Our experienced mortgage advisors specialize in construction financing.
Competitive Rates: We'll help you secure competitive interest rates and loan terms.
Personalized Service: We'll guide you through the entire process, from initial planning to final settlement.

Building Finance: A Step-by-Step Guide

Planning and structuring your building finance carefully can save you significant time and money. Here's a breakdown of key considerations:

1. Choose the Right Interest Rate:

Fixed Interest Rate: Provides certainty and stability, but may not offer the lowest initial rate.
Variable Interest Rate: Offers the potential for lower initial rates and the flexibility to adjust your repayments as needed.

2. Determine Repayment Terms:

Repayment frequency: Explore options like monthly, fortnightly, or weekly repayments.
Repayment structure: Consider principal and interest repayments or interest-only options during construction.

3. Select the Loan Term:

Shorter terms generally result in lower overall interest costs but higher monthly repayments.
Longer terms offer lower monthly payments but higher overall interest costs.

4. Explore LVR Exemptions:

Owner-occupiers: Investigate potential LVR (Loan-to-Value Ratio) exemptions for construction loans approved before construction begins.

5. Consider KiwiSaver Grants:

Maximize your funds: Explore your eligibility for KiwiSaver Home Start grants to increase your available capital.

We understand the unique challenges of building finance. Our expert mortgage advisors will:

Customize your loan: We'll find the best loan solution to meet your specific needs and budget.
Access competitive rates: We have access to a wide range of lenders and can negotiate competitive interest rates.
Provide expert guidance: We'll guide you through the entire process, ensuring you make informed decisions every step of the way.