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Our Services
Buying Your First Home with 5% Deposit

Buying Your First Home with 5% Deposit

At Smartmortgages.co.nz Limited, we understand how challenging saving for a home deposit can be, especially for first-home buyers. The good news is that owning your first home with as little as a 5% deposit is possible. There are two main options available depending on your situation:

Refinance My Mortgage

Refinance My Mortgage

Refinancing might not sound exciting, but the benefits can be truly life-changing! Here are some key reasons why refinancing could be a smart financial move for you.

Buying Investment Property

Buying Investment Property

If you're considering purchasing an investment property in New Zealand, you’ll need a 30% deposit—but that doesn’t mean you have to have all the cash sitting in your bank account! 

Top Up My Existing Loan

Top Up My Existing Loan

Your home isn’t just a place to live—it’s a powerful financial tool. If you’ve built up equity in your property, you may be able to top up your existing home loan to access funds for other important goals.

Reverse Home Loan

Reverse Home Loan

Reverse Mortgage is a financial solution designed for homeowners aged 60 and over.

Business Loans for Kiwi Businesses

Business Loans for Kiwi Businesses

Choosing the right business lending solution can make all the difference.

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