home mortgages

Pay off you mortgage faster

Save thousands of dollars in interest

In order to help our clients get the best possible deal on their home loans, we are continually scouring the market for the most suitable mortgage products. We currently recommend Sovereign's Go Home Loan, which you can use as a mortgage and a transaction account in one.

By paying your salary (and any other income) directly into your Go Floating Rate Account, you immediately lower your account balance and the amount of interest you pay.

You can then use the redraw facility on your account to access funds as you need them to pay for everyday expenses.

Furthermore, if you use your credit card for all your everyday purchases, you can keep your balance lower for even longer. (But of course you should always pay off your credit card by the due date.)

The Go Home Loan offers a choice of fixed, floating or split rates. To be able to use your Go Home Loan as a transaction account, you need to have at least part of it on floating interest.

Do you have little or no deposit?

There are a variety of circumstances where you may find it difficult to purchase your first home. You may be a recent immigrant from South Africa, or elsewhere, with no financial history in New Zealand. Alternatively, you may be a young professional returning from overseas, or have recently been separated or divorced.

As long as you can raise a deposit of at least 10% (this could be a family loan or gift) we can help you choose the best mortgage to allow you to buy your dream home.

Contact us

Please contact Michael or Gwyn Gray to discuss your insurance concerns. We promise you the best possible advice.