Your NZ home loans specialist helping you get the right mortgage for the best rate

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

Are you a first home buyer? Total Mortgages can help you find the best low deposit home loans throughout NZ. Are you moving house? Total Mortgages can negotiate with your bank to secure the best rate and repayment plan on your new house loan.

Perhaps you want to refinance your home loan with another bank or lender? Total Mortgages can highlight the pros and cons of using banks, non-banks, finance companies and private funds. Maybe you want to invest in real estate? There are striking differences between a standard home loan and a line of credit investment property mortgage. Total Mortgages can help you tailor your loan to fit with your desired goals.

From comparing home loans to securing a home loan with no deposit to navigating the pitfalls of bad credit, Total Mortgages can help you put your best foot forward and reach your goals for home ownership. Get started online today or contact us for an appointment.

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.

Fist Home mortgage

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!

moving home

Refinance Home Loans

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.

refinance mortgage

Investment Property Mortgage

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.

investment home loan

Non Bank Home Loans

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.

non banking lender

What people say

I was extremely impressed with Jordan’s knowledge around mortgages and finance options. Jordan turned a potentially stressful time into an enjoyable one. it meant I could sit back and take solace in that fact that everything was taken care of. As Jordan does not work for any particular bank, his non-bias approach meant i was getting the best deal for me. Thanks for getting me into my new home Jordan.

First Home Buyer