Top Up / Re-Financing

Expert advice for aspiring homeowners
in New Zealand.

For those looking to top up or refinance, we offer tailored solutions to access equity, reduce costs, and achieve financial flexibility with minimal hassle.

If you're considering a top-up or refinance, we’re here to provide customized solutions that help you access the equity in your property and reduce your overall borrowing costs. Our experienced team will guide you through the process, assessing your financial situation to identify the best options for your needs. Whether you're looking to fund renovations, consolidate debt, or simply secure a better interest rate, we make the refinancing process straightforward and stress-free, empowering you to achieve greater financial flexibility

How we help you to purchase investment properties

Our top-up and refinancing process is streamlined for your convenience. We start with a thorough assessment of your financial situation and goals to identify the best equity access options for you. Then, we handle the paperwork and negotiations to secure favorable rates. Throughout the process, we ensure you stay informed and supported, making your refinancing experience efficient and hassle-free.

1

Determine Your Needs
The first step in our mortgage advice service is when we take the time to understand your financial goals and situation. This helps us identify what resources you have and what you’ll need to secure the right finance options. This is also when you'll learn more about the process and what to expect.

2

Gather Your Info
We’ll help you collect all the necessary documents and supporting information

3

Find The Right Solution
We’ll do the research and report back to you with available options, realistic repayment estimates and our recommendations

4

Submit Your Application
When you're ready to proceed, we’ll handle the paperwork, submit applications and work with the lenders to get your finance approved

Ready to start investing in property?

From start to finish, we handle all details of your loan application. Whether you want access to funds or you are searching for better rates and loan terms, we're here to simplify the process. Contact us today for all your top up needs.
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TOP UP/ RE-FINANCING FAQS

From start to finish, we handle all details of your loan application. Whether you want access to funds or you are searching for better rates and loan terms, we're here to simplify the process. Contact us today for all your top up needs.
Generally, there are no strict rules on how you can spend top-up money. You have the flexibility to use the funds as you wish, whether for home renovations, debt consolidation, or other personal expenses. However, you will be require to disclose what you intend to use the funds for, it is always best to discuss your needs with us and we can find the right finance options for you.
Most lenders require that you have at least 20% equity for a refinance or top ups, but there are options available with less equity. We can help you explore the best refinancing options based on your current equity situation.
Refinancing can lower your interest rate, reduce your monthly payments, help you access home equity for other expenses, or switch from an adjustable-rate mortgage to a fixed-rate loan for more stability. It can also allow you to shorten your loan term, potentially saving you money on interest over time.
You’ll typically need to provide proof of income, such as payslip or tax returns, details of your current mortgage, information about your assets and debts, and documentation of any property improvements. We’ll provide you with a comprehensive list to make the process easier.
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