Stories of Everyday
Kiwis Winning.
Real stories of real people. Every one of these clients came to Finch with a challenge — and left with a home, savings, or a growing portfolio.
$392 Saved Every Month
When their 3-year fixed term expired, the Chen family unknowingly rolled onto a costly 8.4% floating interest rate. Looking for the best mortgage refinance options in Auckland, they contacted Finch Mortgages. Our expert brokers conducted a comprehensive mortgage review, negotiated fiercely with top NZ lenders, and secured a highly competitive 7.5% fixed rate within just 10 days. By restructuring their home loan to better suit their lifestyle, we helped them save an impressive $392 every single month, improving their household cash flow significantly.
Contractor Approved in 48 Hours
Securing a mortgage as a self-employed contractor in New Zealand can be incredibly difficult. Ben had been contracting in IT for only 14 months, and traditional banks refused his application due to strict lending criteria. As specialists in self-employed mortgages, Finch Mortgages took a different approach. We utilized his daily contracting rate to build a strong application and successfully placed him with an alternative lender that understands non-traditional income streams. His home loan was approved in just 48 hours, proving that working with the right NZ mortgage broker opens doors.
3 Investment Properties in 2 Years
David and Claire wanted to build long-term wealth through New Zealand real estate but didn't know where to start. By strategically leveraging the usable equity in their primary residence, our investment property loan experts helped them map out a sustainable growth plan. Working closely with Finch Mortgages, they successfully purchased three high-yield investment properties across Auckland within two years. By optimizing their loan structuring and ensuring tax-efficient borrowing, we enabled them to continually use their growing equity to fund their next deposit, fast-tracking their property portfolio.
Debt Consolidation Saved Us
Struggling with high-interest personal loans and credit card debt alongside their mortgage, the Smith family was feeling the financial strain. They reached out to Finch Mortgages to explore debt consolidation through mortgage refinancing. Our financial advisers restructured their existing home loan, rolling their expensive short-term debts into a single, manageable mortgage payment at a significantly lower interest rate. This strategic refinancing solution not only reduced their financial stress but also freed up an extra $650 per month, allowing them to finally start saving for their future.
Building Our Dream Home
Navigating the complexities of a construction loan in New Zealand can be overwhelming for any prospective builder. When Mark and Lisa decided to build their custom family home in Christchurch, they needed a broker who understood progress payments and turnkey contracts. Finch Mortgages managed the entire construction finance process, securing a flexible building loan with competitive interest rates. From the initial land purchase through to the final code of compliance certificate, our team provided continuous support, ensuring the builders were paid on time.
Maximizing KiwiSaver For Deposit
As young professionals looking to escape the Auckland rental market, John and Emily were struggling to pull together a 20% deposit. Finch Mortgages guided them through the entire first home buyer journey, expertly navigating their KiwiSaver withdrawal process and maximizing their eligibility for the First Home Grant. By utilizing these government schemes and securing a specialized 10% low-deposit mortgage, they achieved homeownership years earlier than they thought possible. Our comprehensive first home buyer advice turned their property goals into reality without the stress.
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