Utilise Our Extensive Knowledge of Construction Financing to Bring Your Build Concept to Life

NEW BUILD LENDING

(CONSTRUCTION LENDING)

The Perfect Blend of your Building Dreams

and Our Mortgage Broker Expertise

Let's Put your Build Idea into Action

It's not fair that you have to give up the house of your dreams just to be able to pay the interest that you have to pay before you can move in. Let's connect you with a mortgage expert with seasoned mortgage experience on new build lending.

Choosing a mortgage expert with a wealth of experience in new build lending can make a significant difference in your homebuying experience. From understanding the specific financing requirements for construction to securing the best terms for your loan, the mortgage experts we recommend you get in touch with, do bring a depth of knowledge that goes beyond traditional mortgages.

Let Laura find the lender that works best for you

From Blueprint to Reality - New Build Lending for Your Vision

We know deep down that creative thinking and practical financing are the two most important factors in making any building project a reality. Have your forward-thinking build designs come to life by having us connect you with an expert mortgage broker.

Gain an ally and a mortgage collaborator deeply committed to transforming your construction vision into a tangible reality.

We can put you in touch with a professional mortgage broker in Kerikeri who is well-versed in all things related to mortgages.


Kerikeri mortgage broker experts bring a wealth of new build lending experience to the table, ensuring that every aspect of a construction project is meticulously considered and strategically funded.

Building Success with Innovative New Build Financing

The purpose of new build lending, often known as construction lending, is to provide capital specifically for the construction and development of new real estate or your dream home. The conventional mortgage loan is used to purchase preexisting houses, and this is distinct from that.

Have the necessary finances on hand through new build lending, and to get there you'll need a mortgage expert to help you with your loan application. Embrace the confidence that comes from knowing your construction vision is supported by a mortgage broker expert dedicated to navigating the complexities of home loans in Kerikeri, ensuring your project not only meets but exceeds your expectations. Let us connect you with a mortgage expert today!

FAQs - New Build Lending

How does new build lending vary from conventional mortgages, and what exactly is it?

A new build loan is a type of construction loan that is tailored to fund the building of new homes or businesses. New build finance differs from conventional mortgages in that it disperses funds in phases as the development advances, with inspections performed at regular intervals to guarantee adherence to plans.

New construction lending services are available for what kinds of projects?

A wide variety of projects can qualify for new build financing, including single-family homes, apartment complexes, and commercial structures.


Expert mortgage broker services are designed to cater to a wide range of construction needs, whether you are an experienced builder, a real estate developer, or just an individual building your dream house.

In new construction lending, how are the distribution steps executed?

In new build financing, disbursement stages denote the progressive distribution of monies at designated construction milestones. This guarantees that Kerikeri builders have the required funds for each stage. Before disbursing any installment, lenders may undertake inspections to confirm the status and proper utilisation of money.

Is it possible to switch from a new build loan to a regular mortgage once the project is finished?

It is possible to change the loan type from construction to a regular mortgage with many new build lending schemes. More reliable, long-term financing is now available, and consumers have more options when it comes to mortgages.

Let us Help you Connect with the Best Kerikeri Mortgage Broker

Achieve your homeownership goals, free from any stress.

FIRST HOME MORTGAGE

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

advice.

Re-Mortgaging

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

property.

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.

EQUITY RELEASE

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

ASSET FINANCE

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!

Testimonials

FAQ's

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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