Mortgage Broker Services
We work with clients all over New Zealand. At Hewett Mortgages, we believe our service is not just a transaction, its a transformational journey. We work with our clients from start to finish, ensuring each step of the process is seamless & smooth. We work hard to get you the best deal that fits your situation.
We do this by advising clients on the most suitable strategy, loan structure and product type, we negotiate on your behalf to secure the best rate and package from a number of different lenders and banks. We also put you in touch with key referral partners such as lawyers, accountants, real estate agents and insurance advisers.
How do we get the best home loan for you?
The mortgage or loan isn’t necessarily the one with the lowest rate. While we always negotiate to get a lower interest rate and cash incentive, we also consider other factors that make borrowing right for you.
Depending on the lenders we’re negotiating with on your behalf, this might include: client support and customer service offered, a cash incentive for new customers, an offset facility, ease of use of their online banking and phone apps, and any other offers available.
We look at the full package on offer, and take a long-term view of your relationship with your lender.
Our Main Services
First Home Buyers
If you’re buying your first home, we’ll work with you every step of the way, guiding you through pre-approval, the auction or tender process, negotiating and securing the right loan structure. We can even connect you with the right legal and insurance advisors, accountants, valuers, building inspectors, etc.
Existing Home Owners
If you’re looking to refinance or restructure or top up an existing loan or mortgage, we can review your current loan structure, negotiate with your provider, and advise on whether there are better options available. If you’re considering moving to a new lender, we can help make that process as smooth and inexpensive as possible.
Property Investors
Whether you are starting to build an investment portfolio or are an experienced property investor, we can help you create a strategy to fit your long term financial goals and personal situation. We show you how to best leverage your equity, and guide you to achieve these goals. As property investors ourselves, we bring first-hand experience and can walk the talk.
Why talk to us instead of a bank?
Our brokers are home owners, we not only help our customers with their lending needs, but we know exactly what is required and when, because we have been through the process too. If our vision is to enable home ownership, then we expect to walk the talk and practice what we preach by providing advice not only through qualifications but actual experience.
We simplify the process and take care of our customers throughout every step of the journey, making sure you are kept in the loop at all times.
We provide various lending options and do not restrict your lending options and dealing with one bank. We give you access to over 20 banks and lenders – but we’ll do all the hard work for you.
We save you time!! Let us do the hard work and source different lending options to ensure your offer is best suited to your situation.
With more than ten years in the finance industry and over 20 years as a property investor, Tapere brings expertise and experience, and an independent viewpoint.
We know how to put together complex loans (e.g. involving guarantors, family trusts, partnerships, business, leveraging equity etc.) We will work with your accountant or solicitor to ensure the right structure is proposed.
How we work together
First Chat
We get to know each other. We’ll talk about what you are trying to accomplish, your goals and ambitions, and how we can help you. We generally take you through a pre-qualification process over the phone. The broker will then arrange a time to come out and see you.
Your Unique Situation
We’ll gather information from you including family details, income and outgoings and other financial information.
Research & Recommendations
We’ll research the market and ensure our recommendation is the most competitive solution for you, and best suits your needs.
Applying to the Lender
We’ll work with you and the lender, and do the legwork to get you pre-approved.
Approval Moment
Congratulations! Now you have approval from your lender and know what you can afford. We’ll confirm all the details with you.
Insurance & Protection
We’ll talk to you about any insurance protection you need – for your new property and for your loved ones – preparing for the future and any possible scenario.
Settlement Process
We’ll be there for you during the settlement process to keep an eye on it all and help ensure that everything runs smoothly.
Together for the Long Haul.
This is just the beginning of our partnership. It’s my ambition to help your financial future thrive. I’ll be in regular contact with you to check in and review any changes to your situation.
Let’s Talk
Our service is FREE to all clients and there are no silly questions.
Get in touch and let’s get started.
Mob: +64(0)274 388 158
Email: tapere@hewettmortgages.co.nz