Mortgage Broker Invercargill
First homes, rentals, and refinancing for Invercargill, Winton, Gore, and Southland.
Mortgage advice for Invercargill and Southland
Southland lending is often about the property in front of you rather than the size of the city market. An older weatherboard house in Invercargill, a family home in Winton or Gore, and a rental near the centre are assessed on condition, insurance, and the income behind them. What a similar deposit buys here is different from Dunedin or Christchurch. What a lender asks about an older house is not.
Appointments are by video with an adviser from our Paraparaumu team. We are FMA licensed (FSP665511) and we compare 16+ lenders. Mortgage advice is free to you — the lender pays a commission when the loan settles.
Farming, contracting, processing, and shift income run through Southland files. So do first homes bought with KiwiSaver and a deposit that would not get started further north. Both are ordinary here, and both are worth doing properly.
Older houses, priced honestly
A lot of Southland stock is older. A lender will look at the roof, the wiring, the heating, and whether the work in the photos is consented. An insurer will price the rebuild. If you know the house needs work, that number sits beside the deposit from the first meeting.
None of that makes the house unlendable. It makes the lender choice matter, and it makes a building report worth more than a suburb median.
First home, or the next one
A first home you will live in can use KiwiSaver after three years of membership, leaving $1,000 in the account. The First Home Grant closed on 22 May 2024. Pre-approval usually lasts about 60 to 90 days and comes before the offer.
Already own and a fixed rate is ending? Start about 90 days out, loan statement and end date in hand. Southland rentals are investment files: the rent a lender counts allows for vacancy and the cost of keeping an older house tenanted.
Invercargill and Southland towns
- Avenal
- Gladstone
- Winton
- Gore
- Bluff
Also advising in
Request a mortgage appointment
Send a few details and we will arrange a video appointment with an adviser.
The advisers
Who arranges the mortgage
The lending team is based in Paraparaumu. You meet them at the office, at home in the Wellington region, or by video.
Richard Banks
Managing Director
Founded Orange Network in 2010 and still sits with clients on the mortgage, from the first conversation through to settlement.
Chad Weber
Head of Lending
Leads the lending team. First homes, refinancing, investment, and construction, across 16+ lenders.
Lindsay Hill
Relationship Manager — Mortgages
Mortgage adviser for home buyers and investors. Meets across Wellington, Kapiti, Levin, and further afield.
Adelaide Levy
Relationship Manager — Mortgages
First homes, pre-approval, and refinancing, with a clear view of whether a better structure is available.
The panel
Compared before anyone picks a bank
Major banks and specialist funders. The name on the recommendation is the one that fits the application, not the one with the loudest rate.
A sample of the panel. Not every application goes to every lender.
Frequently Asked Questions
- Do you cover Winton, Gore, and the Southland towns?
- Yes. Invercargill and the towns around it — Winton, Gore, Bluff, and the rural addresses between — are one piece of advice.
- Can you help first home buyers in Invercargill?
- Yes. Borrowing power, the deposit, KiwiSaver timing, and the condition of an older house, sorted before you offer.
- What if the house is older and needs work?
- Tell us what you know at the first meeting. Condition, consent history, and insurance decide which lenders are realistic. It rarely ends the conversation; it directs it.
- How do Invercargill appointments work?
- By video, with an adviser from our Paraparaumu team. You do not need to travel to the Kapiti Coast for the meeting.
- How much does mortgage advice cost?
- Nothing upfront. Orange Network is paid a commission by the lender when your loan settles.
Ready to get started?
Book a video appointment with an adviser from our Paraparaumu team. We will work through the lending with you.