Your First Step Towards Your First Home

Secure your new home and your financial future with a Lifetime mortgage expert.

The Home Loan Experts

​Whether it be a mortgage, refinance or just a top up, we have all your home loans needs sorted.

Your First Step To Financial Freedom

  • Buying your first home?
  • Need advice on how to use your KiwiSaver towards your home?
  • Bank said no?
  • Got a low deposit?
  • Looking for the best deal on rates and structure?
  • Wanting to buy an investment property?
  • Unsure about the new LVR rules?
  • Planning to build?

 

These are just some of the many reasons to use a Lifetime mortgage adviser. With free advice, no obligations and experienced professionals capable of wrangling the banks to get you the best deal - Lifetime is the smarter lending choice. 

We can work with all the major banks and lenders to tailor the best solution for you, it may even be your existing bank. With a mortgage adviser they can evaluate your position, canvas the market and negotiate the best solution for you. 

Mortgages

Whether it's your first home or your 10th, Lifetime can always add value with your property purchase.

Refinancing

Interest rates change, personal circumstances change, property values change - there are many reasons to look at refinancing your mortgage smarter.

Mortgage Top-Up

From renovations, to vehicles to holidays, sometimes you just need to free up some equity to achieve a goal. Make sure you cover all the bases from structure, to long term impact with the advice of an expert.

Find An Adviser

Find A Loans Adviser

Ready to talk? We have a team of advisers nationwide keen to understand your needs. Click here to find a specialist Lifetime Adviser near you to make a no-obligation appointment. 

Let's Talk - Home Loans

Buying a home doesn’t have to be as daunting as it sounds. Deciding on a place to live is one of the most exciting and big decisions you will make. Life doesn’t always go to plan – babies arrive, illness can strike and interest rates can change. This guide is designed to give you the knowledge and power to make the process easier and smoother. After all, working with a Lifetime mortgage specialist ensures you get the best deal without the stress. 

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Mortgage Calculator

Unsure how much your home loan repayments would be? Work it out now with our handy mortgage calculator. See the impact various deposits would have, and how the interest rate and length of the loan can impact the overall interest paid. For advice on how best to structure your loan, book in a free chat with one of our mortgage advisers today. 

30th Jul by Clive Martin

OPINION: Whether it’s a bach at the beach, house in the suburbs or small apartment in the city, the prospect of owning an investment property has long been part of the Kiwi dream.

According to Statistics New Zealand, residential property now accounts for 32 per cent of all Kiwis’ investments (as at March 2017) – making it the highest share of investment New Zealand has seen in 45 years. This comes despite concerns about primary residential home ownership levels. 

20th Jun by Neville Whitworth

Smart business owners are now leaning on specialist advisers to negotiate improved banking structures. But exactly what does this service entail? Lifetime’s Financial Advisers Neville Whitworth and Richard Craven share tips on how your business, in certain instances, could save tens of thousands of dollars a year.

18th Oct by Robbie Crawford

As the housing market remains hot and the Reserve Bank dishes out stricter lending rules to New Zealand’s major banks, many first-time home buyers, often younger people, are finding it difficult to get their first mortgage. For many of you, this will be affecting your nearest and dearest, and it’s you, as family, they’re looking to for assistance. Lifetime’s Financial Adviser Robbie Crawford has a few tips (or mortgage hacks) for those hoping to give their loved ones a helping hand onto the property market.

With most banks requiring a 20 percent deposit to obtain a home loan, raising the initial capital can be the most difficult part for many first-time buyers, here’s how you can help.