Mortgage broker West Auckland

My office is at 7/3 Workspace Drive, Hobsonville, Auckland 0618, just off the Upper Harbour Motorway. I advise under the Mortgage Managers licence, and Mortgage Managers has been based in West Auckland since 2004. That’s a long time spent looking at West Auckland valuations, local builders, and the quirks of the properties out here.

We can meet at the office or do it all by phone and video if that’s easier around work and family.

New builds and townhouses. A lot of the housing around Hobsonville Point, Scott Point, Whenuapai, Westgate and Red Hills is newer townhouses and terraced homes. New builds are exempt from the Reserve Bank’s deposit restrictions, which can open up lending with a smaller deposit. I cover how that works on the construction loans page.

First home buyers. Suburbs like Massey, Henderson, Ranui and Swanson are where a lot of West Auckland first home buyers start, often with KiwiSaver as part of the deposit. See first home buyers, using KiwiSaver for your first home and getting pre-approved.

Lifestyle and rural blocks. Out past Kumeū, Huapai and Riverhead, lenders treat bigger sections and lifestyle properties differently to a suburban house. Land size, zoning and any income from the land all change which banks will lend and how much.

Older homes in the established suburbs. In Te Atatū, Glen Eden, Titirangi and New Lynn you’ll find more older weatherboard houses and cross-lease titles. They’re usually fine to lend on, but the bank may want a building report or a closer look at the title.

I work out what you can realistically borrow, match you with the lenders whose policies suit your situation, and handle the application through to settlement. The initial assessment is free. For bank home loans I’m paid a commission by the lender, so there’s normally no fee to you. The Disclosure Statement below sets out when a fee can apply.

Want a rough number first? Try the borrowing calculator or the deposit calculator.