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Flexible personal and business loans to support your next big step

We help you find the right loan options for personal, business, or vehicle purchases. Whether you're expanding your business, buying a new car, or looking for a personal loan, we connect you with flexible lending solutions that fit your situation. Our expert guidance makes the process easy and hassle-free, so you can focus on achieving your goals while we handle the loan details

Use our online application tool Below

We’re proud to unveil our new strategic alliance with LoanOptions.ai — New Zealand’s pioneering AI-driven loan marketplace. This exciting partnership marks a major step forward in broadening our financial services beyond home lending, enabling us to meet a wider range of borrowing needs within our community.
Thanks to LoanOptions.ai’s cutting-edge AI loan-matching platform, BA Mortgages clients can now seamlessly explore a greater range of financing options with our simple online application tool.

Discover the next generation of lending with BA Mortgages and LoanOptions.ai
Blending trusted financial expertise with smart technology to support all your borrowing goals

Click the finance you want to get started
Disclaimer
BA Mortgages operates strictly as a referral partner for LoanOptions.ai. While we connect our clients with LoanOptions.ai’s services, we do not offer guidance, recommendations, or assistance for car loans, equipment finance, personal loans, or business loans. All financial products and services featured here are solely provided by LoanOptions.ai, a licensed and authorised provider (Entity: Gotham Tech Limited T/A NZ LoanOptions.ai, NZBN: 9429050975334, FSP Number: FSP1005864). Any decisions regarding these lending options should be made directly with LoanOptions.ai representatives.
The loan options widget displayed is powered by a third-party provider and is not managed or owned by BA Mortgages. The figures and details shown are intended for general information only and should not be considered credit offers or financial advice from BA Mortgages. We do not guarantee the accuracy of the data presented and accept no liability for outcomes or decisions made using this tool. BA Mortgages may receive a referral fee for successful connections but is not accountable for the products or services delivered by LoanOptions.ai.

If AI is not your thing you can reach out to us directly

We're dedicated to finding the best solutions for our clients. Whether it’s personal loans, vehicle financing, or business loans. Let us identify all your options so you can secure the financing that works for you
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Our other lending services FAQs

Below are the most common questions we get asked by people looking for finance. If you have a question that isn't addressed below please reach out to us.
A secured loan is a type of borrowing that requires the borrower to provide collateral—an asset such as a car, home, or savings account—that the lender can claim if the borrower fails to repay the loan. Because secured loans are backed by collateral, they often come with lower interest rates and more favorable terms.
An unsecured loan does not require any collateral. Instead, the lender assesses the borrower's creditworthiness based on their credit score, income, and financial history. Due to the higher risk for lenders, unsecured loans typically have higher interest rates than secured loans
If you default on a secured loan, the lender has the right to take possession of the collateral. For example, if you fail to make payments on a car loan, the lender can repossess the vehicle
The choice between secured and unsecured loans depends on your financial situation and needs. If you have valuable assets and want lower interest rates, a secured loan might be suitable. However, if you prefer not to risk your assets, an unsecured loan could be the better option.
If you cannot repay your loan, you may face late fees, a negative impact on your credit score, or collection actions. It's important to communicate with your lender if you're struggling to make payments
Debt consolidation is a financial strategy that involves combining multiple debts into a single loan or payment plan. This can simplify debt management by reducing the number of monthly payments and may lower overall interest rates
When you consolidate your debts, you take out a new loan to pay off existing debts. This new loan can be unsecured (like a personal loan) or secured (like a home equity loan). You then make a single monthly payment toward the new loan
Yes, risks can include potentially higher overall costs if the new loan has a longer repayment term, the possibility of losing collateral with secured loans, and the temptation to accumulate more debt after consolidating.
While it may be more challenging to secure favorable terms with bad credit, options are still available, such as secured loans or credit counseling services. Some lenders specialize in working with individuals with less-than-perfect credit
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