Mortgages & home loans

WHY WORK WITH US?

Buying a home is a big step, but getting a home loan shouldn’t be complicated.

Whether you're applying for your first mortgage, refinancing, or exploring pre-approval, we'll help you make confident decisions that fit your goals.
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Our friendly mortgage advisors in Christchurch compare options from top banks and specialist lenders to find the right home loan for you, with expert support every step of the way.

Book a free consultation

OUR MORTGAGE SERVICES

First-Home Buyer
Loans & Grants

Refinancing & Mortgage
Restructuring

Investment Property
Loans
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Construction &
New Build Loans

Low Deposit &
Specialist Loans

WHAT OUR CLIENTS SAY

Don’t just take our word for it—hear how others reached their financial goals.

We recently worked with Ed Carvell to secure our first investment property, and the experience couldn’t have been better.
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Ed guided us every step of the way, making what can be a complex process feel straightforward and manageable.

We always felt informed and supported from start to finish. We’d highly recommend Ed to anyone looking to get into property or grow their portfolio.
Tony & Lauren, Investment Property.
“I wanted to take a moment to sincerely thank you for the outstanding support and guidance you provided throughout our first home-buying journey.

Buying a house can often feel overwhelming, but your professionalism, patience, and clear communication made the entire process smooth and stress-free for us.

We are extremely grateful for everything you have done and would highly recommend your services to anyone looking for a reliable and knowledgeable financial advisor.”
Senaka & Tharushi, First Home Buyer.
“Thank you so much for your consistent support throughout this journey. Seemab and I truly appreciate the guidance and assistance you’ve provided in
helping us secure our investment property.
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We are very pleased with the service from the entire Good Money team, it was smooth, professional, and reassuring at every step.

We will definitely recommend
your services to our friends, family, and colleagues.”
Abdul & Seemab, Investment Property.

WHY YOU SHOULD USE A MORTGAGE BROKER?

Buying a home is one of the biggest financial decisions you'll make — having the right mortgage broker matters.

With so many lenders, loan options, and financial jargon to wade through, the process can feel overwhelming, especially for first home buyers or anyone looking to refinance. At Good Money, our expert mortgage advisors cut through the complexity and find the right mortgage solution for your situation.

KEY BENEFITS OF USING A MORTGAGE BROKER:

EXPERT ADVICE FOR FREE

Mortgage brokers, including us, are paid by the lender so you get professional help at no direct cost.

COMPARING LENDERS AND RATES

As independent brokers, we help you access a wide range of home loan products and push for the lowest rates.

TAILORED SOLUTIONS

We find the best fit for your needs, whether you’re self-employed, a property investor, or seeking a KiwiSaver first home withdrawal.

NEGOTIATION POWER

Mortgage brokers can negotiate better mortgage rates, lower fees, and get more flexible terms on your behalf

GUIDANCE FROM PRE-APPROVAL TO SETTLEMENT

We’ll explain loan structures, assist with paperwork, and demystify the application process.

SPECIALISED LOANS

Get access to fixed-rate mortgages, floating-rate loans, and lender options for bad credit or low-deposit mortgages.

YOUR ADVOCATE – NOT THE BANK’S

Good Money brokers work for you, not one bank, so your best interest comes first.

FIRST HOME BUYER SUPPORT

We make first home buying easier, guiding you through KiwiSaver first home options and lending criteria.

ONGOING HELP

After your loan settles, we’re here for refinances, loan reviews, and any changes you need as your situation evolves.

SAVE TIME AND STRESS

We handle the admin and negotiations so you can focus on your dream home.

LOAN & INTEREST CALCULATORS

Plan smart and see where you stand before you apply.

Use our mortgage repayment calculator to see how loan term, amount, and interest rate affect your budget.

Thinking about an interest-only loan? Our calculator shows your repayments during the interest-only period and what they'll look like once full repayments kick in.

Use our calculators
Loan repayments
Interest only repayments

MORTGAGE LOAN REPAYMENT CALCULATOR

This calculator provides an estimate only.
Your actual repayments may vary based on:

  • Fees and charges.
  • Interest rate changes
  • Repayment frequency (weekly, fortnightly, monthly).
  • Additional repayments or lump sum payments.

Your monthly repayment will be:

$12,345

Interest Only Repayment Calculator

MORTGAGES & HOME LOAN FAQS

Common questions about working with a mortgage broker in New Zealand.

How much deposit do I need for a home loan in New Zealand?

Most banks prefer 20% deposits, but it's possible to get low‑deposit home loans with as little as 5%. We work with flexible mortgage lenders in NZ who support first home buyers getting on the property ladder.

What is a specialist loan?

Specialist loans help borrowers who don't fit tight bank criteria, like self‑employed clients or those with less deposit or past credit issues. Our mortgage brokers know which lenders say "yes" when the banks say "no."

How do construction and new build loans work?

A construction home loan releases funds in stages as your build progresses. You only pay interest on what's drawn, and the loan becomes a standard home loan once finished. We'll help you structure it right from the start.

Can I buy my first home with a small deposit?

Yes! The First Home Loan through Kāinga Ora can help you buy with just a 5% deposit. We'll guide you through low‑deposit home loan applications and government grants to get you approved sooner.

Should I choose a fixed or variable rate?

A fixed‑rate mortgage keeps your payments steady for a set time, while a variable‑rate loan shifts with market changes. We use our mortgage repayment calculator to show how each affects your budget.

What's a pre-approval and why do I need one?

A mortgage pre‑approval tells you how much you can borrow before you start shopping, and it helps you move fast when you find the right home. Our mortgage advisors in Christchurch sort this for you quickly.

What extra costs should I budget for?

Beyond your deposit, factor in legal fees, valuations, building reports, and possibly a low equity premium if you're borrowing more than 80%. We'll help you budget with no surprises.

Can I use equity to buy an investment property?

Yes, many clients leverage existing equity for investment property loans. We can structure your mortgage loan to work toward your long‑term financial goals.

How do I work out my mortgage repayments?

Use our online mortgage loan repayment calculator or interest-only mortgage calculator NZ for a clear view of your repayments before you apply.

Can I get help before applying?

Absolutely. Our friendly mortgage brokers and advisors are here to help you find the best home loan, wherever you are in NZ. Book a free consultation today to get started.

WHETHER YOU’RE IN CHRISTCHURCH OR ANYWHERE IN NZ, OUR TEAM OF FRIENDLY MORTGAGE ADVISORS ARE HERE TO HELP.

From first chat to final approval, we’ll make the journey simple and stress‑free.

Book a free consultation