Your NZ Home Loan Specialists

Mortgages

Did you know that most New Zealand home loans are table mortgages? Did you know that you can negotiate with your bank for a mortgage rate discount? And, did you know that many young kiwis in Auckland, Hamilton, the Waikato and beyond are signing up for 40-year home loans instead of the 25-year norm of the past?

Wherever in NZ you live, if you want to get ahead in today’s real estate market, you need a mortgage broker who can shed light on the facts and help you understand the consequences of choosing one home loan structure over another

At Total Mortgages, we care about the facts and we use them to help you get the right mortgage at the best rate for your situation. Our service is free and you can apply
online at any time. Get started today.

Our mortgage broker services

Did you know that most New Zealand home loans are table mortgages? Did you know that you can negotiate with your bank for a mortgage rate discount? And, did you know that many young kiwis in Auckland, Hamilton, the Waikato and beyond are signing up for 40-year home loans instead of the 25-year norm of the past?

Wherever in NZ you live, if you want to get ahead in today’s real estate market, you need a mortgage broker who can shed light on the facts and help you understand the consequences of choosing one home loan structure over another

At Total Mortgages, we care about the facts and we use them to help you get the right mortgage at the best rate for your situation. Our service is free and you can apply
online at any time. Get started today.

First Home Mortgages

New to the mortgage market? Don’t worry, we’re not! Total Mortgages will guide you through all the different options including low deposit, non genuine savings, using Kiwisaver and the housing New Zealand Subsidy, and or using Guarantors.

Upgrading - New House Loans

Time for a move? Family growing? Moving area? Whatever the reason Total Mortgages can help with a mortgage approval produced quickly and stress free so you can get into the serious business of house hunting!

Refinance Homeloans

Fed up with your Bank? Mortgage not doing what you want it to do? Looking for a change? Total Mortgages offer advice across the board, Bank, non-Banks, Finance Companies and Private Funds.

Non Bank Home Loan

If your Bank says No because of lack of proof of income or credit issues, Total Mortgages can help. All at rates that will pleasantly surprise you. Self Employed, overseas or adverse Baycorp? No problem, just call to ask us how.

Investment Property Mortgages

At some stage of life, you may find yourself wanting to purchase an investment property, whether it’s your first one, or your fifth one, Total Mortgages will show you all your options to make it feasible.

Award Winning Service

We are proud to say we’ve made some great achievements in the past couple of years and being recognised as Top Advisers two years in a row along with being named a Top Young Gun for 2020.

See What Others Have To Say

Want To Work With Us?

Are you a first home buyer?
Total Mortgages can help you find the best low deposit home loans throughout NZ.