Need a little mortgage top up?
We'll happily arrange a top up for you with your bank.
And if you decide to leave the bank out of it we've got our very own Homeowners Loan of up to $70k to sort you out.
Get in touch and we can figure out the best option for your needs.
The Homeowners Loan is the fastest way to get a personal loan without talking to the bank.
Borrow against your house for things like:
- Home renovations
- Big ticket items for the house
- Home repairs
- A new vehicle
You'll have the money in your account within a day or two once we've got the info we need.
What's good about the Homeowners Loan?
Zero fees
Yes! Zero. Nada. Zilch.
(Except if you default. Then there's fees.*)
Interest-only payments
Interest-only payments at 9.75%*. We call that the cherry on top.
Borrow up to $70k
You'll soon have up to $70k* in your pocket so you can get started on your project.
Applying is fast, secure and 100% online. It doesn't get much easier.
1. Complete our online application
Apply for anything between $1k and $20k unsecured or up to $70k secured. Just make sure you've got your NZ drivers license or NZ passport handy.
2. We drop the money into your account
Provided everything stacks up, the money will appear in your account within a couple of days, depending how quickly we get the info we need.
3. Now get your project underway
Now you've got the funds, the fun begins. Start turning those ideas into reality.
What will my homeowner’s loan repayments be?
Work out your regular repayments and how quickly you could pay off your personal loan.
So many repayment options
- After the first year of interest-only repayments*, our mortgage brokers can arrange for the remainder of the loan to be absorbed into the mortgage (subject to bank criteria). Otherwise, you can pay it off over 2-7 years.
- You also have the option to pay it all off in full, whenever you like without any early repayment fees. That's right - you call the shots.
Our interest rates
| Term | Rate |
|---|---|
| 1 year interest-only | 9.75% p.a. |
| 2 - 3 years | 9.85%. p.a. |
| 5 - 7 years | 9.95% p.a. |
Get down to the nitty gritty
*If you or a guarantor default on your obligation, you may be obliged to pay costs and expenses for enforcement. Rates shown are based on current rates. Rates are subject to change. Affordability, responsible lending and credit criteria apply. Subject to available funding.If your loan falls into arrears, a default interest rate of 5% p.a. will be added to your fixed interest rate and remain in place until your loan is back on track and out of arrears. Example: A borrowed amount of $10,000 over 1-year interest-only would result in repayments of $83 per month at 9.75% p.a. (not risk graded). If a payment is missed or a loan is in arrears for a period of time, default interest may apply. Check out our fees page.
Don’t just take our word for it
Mark
New Zealand
I recommend Angela Wanoa all the time, as i sell homes, so she is the one I put clients in touch with if they are looking for financial advise etc.
Tim bahlmann
New Zealand
Thanks Mark
Darren
New Zealand
Very responsive and quick to act. Great advice and made it easy even with some tricky property issues that made lending much more challenging to obtain. I was only able to buy this property because we were the only ones (out of many serious purchasers) that overcame the issues and obtained suitable lending and insurance. Other deals had fallen through because the banks would not lend more than 50% of the property value (ignoring the dwellings).
Anonymous
New Zealand
Adam Clark looks after me really well. I sometimes have a lot of questions as I'm a first time home owner and he's always been patient an able to help and advise and together we have gotten some good outcomes so far. I highly recommend Adam