Mortgages can be taken out for a new build or to renovate existing homes. 

This type of lending does not follow the same conventions as a typical mortgage.

My job as your mortgage broker is to walk you through to the process and to give you an idea of some of the ways land, construction, and renovation loans are different and options on how these can be funded.

There are several options for paying for a construction project. The banks have specific requirements depending on the type of contract clients have with the builders and this can affect your loan.

Lenders will also typically look at the property valuation before, during and after construction or renovation. The timing of valuations is important to ensure maximum value at the time of inspection by the valuer. 

Lastly, loan repayments can be structured so that repayments are lower during the build phase when other expenses are likely to be much higher for you.

For financing for construction, new builds or renovations, I can give you the best advice and help you find the best mortgage options for your project.

The best part is, my services to you are free.

I work as your advocate and ensure you get the best mortgage advice.

I am only paid a commission from the bank once your mortgage is secured and successful.

to discuss your options for buying your first home

Following is An Overview of How I can Help You

My job is to walk you through the mortgage process and ensure you get the right mortgage and have a financially stable future ahead of you.

You don’t need to commit this to memory, but below is an overview of what my process looks like for new builds and renovations loans:

Meeting and Chat

Every build or renovation proposition is different, so I take the time to understand you and your situation, so we can prepare the right supporting documents for the bank

Summary and Action Steps

I get it, it’s a lot to remember. After our first meeting, I will send you a summary that you can refer to at any time, plus a list of the action points we need to take to get ready for the next step.

A Home Buyers Financial Assessment

There are several hidden costs that come with building and renovating that may need to be financed. To ensure you are fully prepared for these costs we do a financial assessment to ensure all costs are included and then ensure you get the right finances in place.

New Build & Renovation Checklist

There are several important steps when undertaking a build or renovation. These are often time-sensitive and should be met to avoid delays. To help keep things on track, I offer a full checklist of steps and timeframes that need to be met. You will never be unsure of where we are in the process.

Set up for Mortgage Application Success

One of the biggest parts of my job is making sure your application is complete and attractive to the banks to approve the loan. Particularly with new builds & renovations loans. Often pre-approval is sought upfront to ensure funding is available for the project prior to undertaking completion of plans and apply for building consents.


Home Ownership Budget

Indicative home ownership budgets will be presented along with quotes for homeowners’ insurance to demonstrate that the budgeting for a new home has been well thought out and established.

Options for Deposits

First time home buyers are in a unique situation to utilize many different options to raise funds for a deposit. This includes grants, kiwi saver, family guarantees, and much more. I will ensure no stone goes unturned to find the best deposit option for you.

Existing homeowners may need to sell a property or use the equity in an existing property to obtain deposit funds.

This is just a brief summary to give you an idea of what the process looks like to prepare for a mortgage. If you are ready to get started or want to ask a few more questions, contact me today.