Your Home Is Where Your Equity Resides

Equity Release / Reverse Mortgage

Maximise Your Home's Worth – Discover Effortless Equity Release!

Unlock Your Home's Potential

In Kerikeri, your home isn't just a place to reside - it's a valuable asset that holds the key to your financial freedom. With equity release, homeowners can tap into the substantial financial worth embedded in their homes, providing a unique avenue for financial flexibility without the need to sell or relocate.

A home, beyond its personal significance, stands as a repository of accumulated equity for many individuals. This accrued equity, the difference between the home's market value and outstanding mortgage, can become a valuable source of income in your later years, offering a financial cushion when needed the most.

Before choosing an equity release plan, it's a good idea to talk to mortgage equity pros and Mortgage Broker Kerikeri can connect you with one. Such an mortgage expert can help you read the small print and think about all of your choices to make sure they fit with your long-term goals and budget.

Let Laura find the lender that works best for you

Take Advantage of Equity Release to Get Your Home's Worth

Use the equity in your Kerikeri house to fund your retirement and achieve financial independence. Homeowners who are 60 years of age or older can take advantage of equity release to get a one-time payment or ongoing payments without having to sell their beloved houses.

You have the freedom to utilise the released funds anyway you like with lifetime mortgages or home reversion schemes. Your monthly mortgage payments can be put on hold until you enter long-term care or die, allowing you to relax and enjoy retirement with the support of the right mortgage broker.

Call us at Mortgage Broker Kerikeri. Our objective is to connect you with a seasoned mortgage professional who will guide you through the home equity release process, provide insightful comments, and be by your side every step of the way

Turn your Home's Equity into Cash Without Having to

Make Monthly Payments

You can get more financial freedom by turning some of your home value into tax-free cash. There are no regular payments like there are with a traditional mortgage. You can simply put off paying back the loan until you sell your home, move out, or die. And you can keep the fun of being a Kerikeri homeowner and enjoy the value growth of your home, which will let you live your retired life on your own terms.

FAQs - Equity Release / Reverse Mortgage

What is Equity Release, and how does it work?

People who own their own homes and are at least 55 to 60 years old can use equity release to get some of their home's value without having to sell or transfer. There are two main types: home reversion plans and lifetime debts. In home reversion plans, some or all of the property is sold, and the property is used as collateral for a loan. The loan is generally paid back when the homeowner dies, goes into long-term are, or sells their home.

What are some possible uses for freed equity?

Equity release funds can be used for many things, like adding to your retirement income, paying for medical bills, making home changes, paying off debts, or even helping family members with money. The use is flexible and can be changed to fit the wants and goals of each Kerikeri homeowner.

What makes a Reverse Mortgage different from a regular mortgage?

A reverse mortgage is different from a regular mortgage because you don't have to pay it back every month. The loan is paid back when the Kerikeri homeowner dies, sells the house, or moves out. This lets people get access to the wealth in their homes without having to make mortgage payments while they are retired.

Can I pay off the Equity Release loan early?

It's important to check the terms and conditions of your individual equity release plan because some of them let you pay back the loan early. It's best to talk to your equity release source before thinking about paying off your loan early because you might have to pay extra fees or penalties.

Let us Help you Connect with the Best Kerikeri Mortgage Broker

Achieve your homeownership goals, free from any stress.


Purchasing your first home is always an exhilarating experience. So don't give up on your dream, follow Laura's



If your current situation has changed, or if a fixed rate agreement

has expired, it is wise to consider your alternatives.

Debt Consolidation

Merge your debts to reduce them more quickly. Gain independence from

financial constraints through a combined loan.

New Build Finance

Building a new home? Save a substantial amount by obtaining financing for new construction and utilising it selectively as the need arises.

Investment Purchase

Want to add more properties to your portfolio? Call us and get better rates on your investment


Moving & Bridging

Whether you're in a bind financially or need to buy anything before

you sell. A bridging loan can be the best option for you.


You can keep living in your home while releasing funds from it. Find out how Equity Release can help you relax and enjoy retirement.


In need of capital for

expansion? Asset financing to purchase machinery or tools? We can help with business asset financing.

Why go for ‘Mortgage Broker Kerikeri’?

Get first-rate advice on your mortgage matters from Laura Cates.

An expert in loans and lenders, Laura Cates is committed to ensure that you achieve the best possible result.

You should be aware that Mortgage Lab's Laura Cates has a vast industry network that links her to several reputable financial institutions.

Our user-friendly web platform makes the application process quick and easy. On the other hand, you have the option of meeting in person, via phone, or via Zoom.

Laura has a number of alternatives that can fit most people, so it doesn't matter what your situation is. Her network of 26 lenders gives her the leeway to tailor a solution to your needs.

Living the dream of home ownership in Kerikeri is a goal for many. That said, you need to be financially savvy to be able to make your monthly payments on a long-term mortgage, so be prepared for that. But there are other, brighter sides. Benefit from the practical and simplified services offered by an expert mortgage broker in Kerikeri.

Rely on a Kerikeri Mortgage Broker committed to placing your goals ahead of the banks' priorities.

Learn more about 'whole of market' lending.

Have a look at different banking choices.

We've simplified the mortgage broker process for you!

It is possible for Laura to examine existing insurance plans at the same time.

Get where you need to go! If you want to be a homeowner in Kerikeri, Laura can help make that happen!

Don't worry about the fees- they will be covered by the bank.

Get a lower interest rate with a remortgage today!

Allow Laura, a Mortgage Broker Kerikeri specialist to locate the most suitable financing partner for you so you may take advantage of the low rates.

Get out from under your mortgage early and enjoy life on your own terms.

Be debt-free real fast and enjoy more time for the things that truly matter to you!



What is a Home Loan?

A Home Loan is funding provided by a bank to facilitate your property purchase. In exchange for this financial assistance, you commit to a contractual agreement to repay the loan over a specified period. In New Zealand, the majority of home loans extend over an average payment term of 20-30 years. If, under any circumstances, you are unable to fulfill the loan, the bank may sell or claim the property to recover the outstanding payments. Bank financing is the prevalent means through which most New Zealand homeowners can afford their homes.

What are the benefits of working with a Mortgage Broker In Kerikeri like Laura Cates as opposed to going straight to the bank?

The personalised service we once anticipated from our banks has become a thing of the past. However, with a broker representing your interests, you can rekindle that personal connection with someone genuinely invested in your well-being. They work on YOUR behalf to secure the best possible outcome for your unique situation. In her role as a Kerikeri mortgage broker, Laura meticulously compares policies, rates, and banks' appetites for your specific circumstances. This ensures you're matched with the Kerikeri lenders most likely to provide a favourable outcome on the most favourable terms.

What are the fees associated with mortgage brokers?

Brokers typically do not impose fees. Their compensation comes in the form of a commission paid by the banks after your lending is settled. This commission is not deducted from your funds; rather, banks perceive it as a cost associated with acquiring new clients, similar to a marketing or staffing expense.Hence, the time and service provided by a broker come at no direct cost to you. Nevertheless, in certain scenarios where a private or non-bank lender might be necessary, the lender may charge a service fee. If your situation falls into this category, we will thoroughly discuss it with you well in advance. Nothing will be executed without your complete understanding and authorisation.

What about home loans for first-time home owners in Kerikeri?

Purchasing a property for the first time in Kerikeri could be an intimidating task. Having someone there to guide you, provide guidance, and provide support can make a world of difference at times. An emotional journey is just as important as a financial one. We are thrilled at the chance in having a mortgage expert assist you in becoming a Kerikeri homeowner, since many of Laura's clients are first-time purchasers.

What about Investment purchases or top up existing borrowing?

A mortgage expert like Laura will discover the best choice for your needs, whether you are looking to consolidate debt, fund home improvements, or buy an investment property in Kerikeri. Whether your goal is to reduce your outgoings while simultaneously lowering your overall debt owed or to make an investment property viable. Get in touch with us right now at Mortgage Broker Kerikeri, so we can connect you with the right mortgage expert for your situation.

Does new-build financing exist? What if I prefer constructing my dream home in the Kerikeri area?

Embracing the construction boom is a fantastic strategy for gaining a competitive edge and securing the home of your dreams. With the current surge in construction activity, you have the opportunity to tailor a home to your preferences and needs. However, it's crucial to acknowledge that the new build lending process comes with its intricacies.

When you decide to finance your new build, a trusted mortgage expert can advise you beyond the usual lending process. A kerikeri mortgage broker can stand by you at every step, providing guidance on navigating the complexities of construction-related financing. This includes explaining the nuances of various contract types, helping you understand potential challenges associated with construction, and ensuring that you make informed decisions throughout the financing journey. The goal of a Kerikeri mortgage broker is to empower you with the knowledge needed to confidently navigate the unique aspects of new build lending and make your dream home a reality.

What about Fixed rate rollovers or re-mortgaging? Can Mortgage Broker Kerikeri help?

Fixed rate rollovers are an important step in the mortgage process because they make your interest rates more vulnerable to changes in the market. Also, fixed rate rollovers are a great time to see if small changes could be made to lower your total costs or shorten the length of your loan. You can work together with an expert mortgage broker to find ways to make your mortgage terms better during this time by having thoughtful talks about your financial goals and preferences. A trusted Kerikeri mortgage broker's aim is to help you make choices that are in line with your current financial situation and your long-term goals.

Wait, don't exchange your keys for a treehouse!
Let's discover your ideal home together.

We can help you improve the comfort and utility of your home, whether it's a small cottage, a huge apartment, or a shiny new condo. So that your home is more than just a place to sleep—it will become your ideal sanctuary—let's embark on a journey to find the perfect Kerikeri house that suits your own preferences and lifestyle. Let us connect you with the right Kerikeri mortgage broker today!

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DISCLAIMER – The information, resources, calculators and any other information contained in and on this website are provided as general information and are not intended to be financial advice. Before making any financial decisions, you should consult a professional financial adviser. Nothing on this website is, or should be taken as, an offer, invitation or recommendation to buy, sell or retain a regulated financial product. 1768Degrees Ltd accepts no responsibility for any loss caused as a result of any person relying on any information or calculations in or from this website..

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