Building Bridges to Financially Secure Your Dream Home


Bridge the Gap Swiftly with Effective Solutions Only an Expert Mortgage Broker Can Provide

Jump on the Opportunity to Close the Funding Gap

Homeowners in Kerikeri may seek out bridge loans, also known as bridging loans, to temporarily inject funds in order to acquire longer-term or more permanent funding.

This loan "bridges" the temporal gap between more permanent sources of financing and those that are not yet accessible. The time it takes to sell one property and buy another is known as the "bridging and moving" period.

If you are looking into bridge financing solutions, we will put you in touch with a qualified mortgage broker that can assist you with the right loan financing options.

Let Laura find the lender that works best for you

Opening Doors to Chances - Consider a Bridge Loan in Kerikeri

Moving and Bridging is an important part of real estate deals because it helps with money issues between people who need money right away and people who can get a longer-term loan.

Bridge loans are usually a short-term choice that Kerikeri homeowners who want to buy a new home before selling their old one often look for. If you are moving, you can get an unsecured personal loan, which is also known as a moving loan or transfer loan, to pay for your moving costs.

When buying a home in Kerikeri, bridging and moving loans make the process easy and quick, so buyers can get their dream home without having to wait for their present home to sell.

Moving and bridging loans are good options when time is of the essence because they are known for being easy to get and repay quickly. Connect with a skilled mortgage broker who can assist you in secure a bridge loan or a moving loan - talk to Mortgage Broker Kerikeri right now and get the right recommendations of whom to work with.

Fill in those Financial Gaps with our Bridging Skills

The main goal of a bridge loan is to get you access to money quickly. This helps Kerikeri homeowners do well in real estate deals.

After you buy the new house, you can pay back the bridge loan with a longer-term loan, like a standard mortgage. That said, Kerikeri homeowners should carefully think about the risks and terms of bridge loans before applying, even though they offer speed and flexibility.

Talk to us at Mortgage Broker Kerikeri today and make smart choices about your home loan needs, whether its a moving or bridging loan, we can put you in touch with an experienced mortgage broker in Kerikeri.

FAQs- Moving and Bridging Loans

How does a moving loan work? What is it?

Some of the costs that come with moving are paid for by moving loans. These costs include hiring movers, paying for transportation, buying packing supplies, and other related costs. It gives Kerikeri people a lump sum of money that they can use to handle the money side of their move.

What kinds of costs can a moving loan cover?

There are many costs that come with moving that can be covered by a moving loan. These include professional movers, truck rentals, packing materials, temporary storage, and even travel costs if the move is long distance.

Could you explain what a bridge loan is and how it works?

Bridging loans are short-term loans that are meant to "bridge" the gap between when you need money right away and when you can get longer-term financing. It's usually used in real estate deals, and it lets Kerikeri people buy a new home before selling their old one. The borrower pays back the loan when they get long-term credit or sell the house.

What do people usually do with bridge loans?

Bridging loans are often used for a variety of reasons, such as buying a new home before selling the old one, paying for home improvements that will raise its value, or taking advantage of real estate investment chances that only last for a short time.

How quickly can I get a loan to move or a loan to bridge the gap?

How quickly you can get a moving loan relies on the lender and how much money you have. Some lenders offer quick acceptance and funding, so borrowers can get their money in just a few days. An expert mortgage broker in Kerikeri can help you compare lenders and the ways they handle applications so you can choose the best one for your needs. The right mortgage broker can help you get a moving or bridge loan from the most suitable lender.

Let us Help you Connect with the Best Kerikeri Mortgage Broker

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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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