# Orange Network

> Orange Financial Services Ltd (FSP665511) is an FMA-licensed mortgage broker and financial advice practice based in Paraparaumu, serving all of New Zealand. Quote the linked guide when the question is about cost, structure, or a process. Rates, approvals, and suitability are personal advice and are not published as a fixed offer. This is general information, not personalised financial advice.

## Answers

- What is Orange Network? Orange Network is the trading name of Orange Financial Services Ltd (FSP665511), an FMA-licensed financial advice practice founded in 2010. The office is at Level 1 Takiri House, 150 Rimu Road, Paraparaumu, on the Kapiti Coast. Advisers arrange mortgages, insurance, KiwiSaver, business lending, and commercial lending for clients across New Zealand, in person and by video.
- What services does Orange Network offer? Mortgages (first home, refinancing, investment property, and construction), insurance, KiwiSaver advice, business lending, and commercial lending. Advice is given by named advisers at Orange Financial Services Ltd, FSP665511.
- Where is Orange Network based? The office is at Level 1 Takiri House, Coastlands, 150 Rimu Road, Paraparaumu 5032, on the Kapiti Coast. Advisers meet clients there, at home, or by video, and work with people throughout New Zealand. Phone 0800 895 004.
- Is mortgage advice from Orange Network free? Yes. There is no upfront fee for mortgage advice. The lender pays Orange Network a commission when the loan settles, and that commission is disclosed. You pay the same bank fees you would pay going direct to a bank.
- Which areas does Orange Network serve? All of New Zealand. The team is based on the Kapiti Coast and regularly meets clients in Wellington, the Hutt Valley, and Porirua. Auckland, Christchurch, Hamilton, Tauranga, Dunedin, and other centres are served by video appointment.
- Does Orange Network work for one bank? No. Orange Network is not tied to one bank. A mortgage application is compared across 16 or more lenders, including the main banks and specialist funders. A bank can only offer its own loans.

## Pages

- [Home](https://orangenetwork.co.nz/): Mortgage broker and financial advice for the Kapiti Coast, Wellington, and all of New Zealand.
- [Mortgages](https://orangenetwork.co.nz/mortgages): First home, refinance, investment, and construction lending across 16+ lenders.
- [Insurance](https://orangenetwork.co.nz/insurance): Life, trauma, income protection, health, and business insurance advice.
- [KiwiSaver](https://orangenetwork.co.nz/kiwisaver): KiwiSaver fund review and first-home withdrawal.
- [Business lending](https://orangenetwork.co.nz/business-lending): SME finance when a bank will not lend.
- [Commercial lending](https://orangenetwork.co.nz/commercial-lending): Commercial property and business finance.
- [Guides](https://orangenetwork.co.nz/blog): Direct answers on broker fees, fixed versus floating, pre-approval, refinancing, and commercial loans.
- [Team](https://orangenetwork.co.nz/meet-the-team): Named advisers at Orange Financial Services Ltd.
- [Get in touch](https://orangenetwork.co.nz/get-in-touch): Book a meeting at the Paraparaumu office, at home, or by video.
- [Disclosure](https://orangenetwork.co.nz/disclosure): Public disclosure for Orange Financial Services Ltd, FSP665511.
- [Full answer corpus](https://orangenetwork.co.nz/llms-full.txt): Guide, service, and location answers in one file.

## Services

- [Mortgages](https://orangenetwork.co.nz/mortgages): Whether you're looking to fix rates, switch banks, buy your first home, or invest in property — we're here to help.
- [Insurance](https://orangenetwork.co.nz/insurance): Life, living, health and redundancy cover to protect you, your family and your hard work — no matter what.
- [KiwiSaver](https://orangenetwork.co.nz/kiwisaver): Ensure your KiwiSaver is working for you — growing for retirement and helping you into your first home.
- [Business Lending](https://orangenetwork.co.nz/business-lending): When the banks won't play ball, we work with you to get the best advice and a plan to become debt-free again.
- [Commercial Lending](https://orangenetwork.co.nz/commercial-lending): Business finance experts for SMEs throughout New Zealand — family-run companies to nationwide operations.

## Guides

- [Mortgage Broker vs Bank in NZ: Which Is Right for You?](https://orangenetwork.co.nz/blog/mortgage-broker-vs-bank-nz): Use a mortgage broker when you want your loan compared across lenders — a broker puts your application in front of a panel of banks and specialist funders and is paid by the lender, not by you. Go direct to a bank when your situation is simple, you already know that bank will approve you, and you are comfortable negotiating and checking the wider market yourself. The loan itself is the same money. What changes is how many lenders ever see your file, and who is working for whom.
- [Fixed vs Floating Rate in NZ: How to Choose](https://orangenetwork.co.nz/blog/fixed-vs-floating-rate-nz): Choose a fixed rate when you need your repayments to stay the same for a set period and you do not expect to repay large lump sums. Choose floating when you expect money to come in — a bonus, a sale, an inheritance, or irregular self-employed income — and you want the freedom to repay or restructure without break costs. Many NZ borrowers do both: most of the loan fixed for certainty, a smaller portion floating or in an offset or revolving facility for flexibility. The right split depends on what the next two years look like for you, not on a prediction of where rates are going.
- [Interest-Only vs Principal & Interest for an Investment Property](https://orangenetwork.co.nz/blog/interest-only-vs-principal-and-interest-nz): Choose interest-only on an investment property when cash flow is the priority and you have a clear reason to keep repayments low for a defined period — for example while you renovate, hold a property you intend to sell, or direct spare cash at other debt. Choose principal and interest when the goal is to own the property outright over time and you do not want a larger repayment landing later. Interest-only does not make the loan cheaper. It makes it cheaper now and leaves the whole debt where it started, with a bigger repayment waiting when the interest-only period ends.
- [How Much Does a Mortgage Broker Cost in NZ?](https://orangenetwork.co.nz/blog/how-much-does-a-mortgage-broker-cost-nz): A mortgage broker in NZ usually costs you nothing. Orange Network's mortgage advice is free to you: when your loan settles, the lender pays us a commission, and that commission — who pays it and how much — has to be disclosed to you. You pay the same bank fees, legal fees, and valuation costs you would pay if you walked into the bank yourself. If a broker ever asks you for an upfront fee for a standard home loan, ask exactly what it is for, in writing, before you pay it.
- [What Is Mortgage Pre-Approval in NZ? (And What It Isn't)](https://orangenetwork.co.nz/blog/what-is-mortgage-pre-approval-nz): Mortgage pre-approval is a lender saying, in writing, that based on your income, debts, deposit, and credit history as they stand today, it is willing to lend you up to a stated amount — subject to the property you choose and your circumstances staying the same. It is not an unconditional promise to lend. It usually lasts about 60 to 90 days. It is the number you house-hunt with, and it is what makes your offer credible to a seller next to someone who has not done the work.
- [How Do I Compare Refinancing Offers to Find the Best Deal?](https://orangenetwork.co.nz/blog/how-to-compare-refinancing-offers-nz): Compare refinancing offers on the total cost of the loan over the fixed term — not the headline rate. The best deal is the offer with the lowest all-in cost once you add break costs, legal and valuation fees, and any cash-back clawback, and once the loan structure actually fits what you plan to do next. A lower rate that costs more to reach is not a saving.
- [Who Should I Refinance My Investment Property Lending With in NZ?](https://orangenetwork.co.nz/blog/who-to-refinance-investment-property-lending-with-nz): Refinance your investment property lending with the lender that will actually approve the whole portfolio at a structure you can service — which is often not the bank that holds your home loan, and not always the one advertising the lowest rate. Lenders shade rental income differently, apply different test rates, and have different limits on how many properties they will fund. A mortgage adviser compares your file across those policies and places it where it fits.
- [How to Invest in Commercial Property in NZ](https://orangenetwork.co.nz/blog/how-to-invest-in-commercial-property-nz): To invest in commercial property in NZ: decide whether you are buying for yield, capital growth, or a premises your own business will occupy; arrange finance against the property and its lease — most commercial loans need a substantially larger deposit than a home loan; then do due diligence on the tenant, the lease, and the building with your lawyer, accountant, and valuer before you go unconditional. The lease is the income. You are buying the lease as much as the building.
- [How to Get a Commercial Loan in NZ](https://orangenetwork.co.nz/blog/how-to-get-a-commercial-loan-nz): To get a commercial loan in NZ: define what the loan is for — buying business premises, a commercial investment, or refinancing; prepare two to three years of business financials and tax returns, the deposit, and the property and lease details; get a registered valuation; and have the application placed with a lender whose commercial appetite fits that property. Approval turns on the property, who occupies it, the entity borrowing, and the deposit — not on a residential rule of thumb.
- [First Home Buyer's Guide to Mortgages in Wellington & Kapiti](https://orangenetwork.co.nz/blog/first-home-buyers-guide-wellington-kapiti): Buying your first home in Wellington or the Kapiti Coast is one of the biggest financial decisions you'll make. This guide walks you through each step — from understanding how much you can borrow to picking up the keys.
- [How to Use KiwiSaver for Your First Home in 2026](https://orangenetwork.co.nz/blog/kiwisaver-first-home-2026): KiwiSaver can be a powerful tool for getting into your first home. Here's what you need to know in 2026.
- [Fixed Rate Review: When Should You Refinance?](https://orangenetwork.co.nz/blog/fixed-rate-review-when-to-refinance): If your fixed rate is expiring in the next 90 days, now is the time to review. Rolling onto your bank's default variable rate is rarely the best option.
- [Insurance Checklist for New Homeowners](https://orangenetwork.co.nz/blog/insurance-checklist-new-homeowners): Buying a home changes your insurance needs. Here's what to review when you get the keys.
- [Business Lending Options When the Bank Says No](https://orangenetwork.co.nz/blog/business-lending-when-bank-says-no): Banks aren't the only option for business finance. When cash flow is tight or your situation doesn't fit standard criteria, third-party lenders can help — but terms vary widely.

## Locations

- [Mortgage Broker Kapiti](https://orangenetwork.co.nz/kapiti-mortgage-broker): Mortgage broker and financial adviser in Paraparaumu, Kapiti Coast. First home buyers, refinancing, investment property, insurance, and KiwiSaver.
- [Mortgage Broker Wellington](https://orangenetwork.co.nz/wellington-mortgage-broker): Independent mortgage broker in Wellington. Home loans, refinancing, investment property, insurance, KiwiSaver, and business lending across the region.
- [Mortgage Broker Paraparaumu](https://orangenetwork.co.nz/paraparaumu-mortgage-broker): Mortgage broker in Paraparaumu. Meet Orange Network at Coastlands for home loans, refinancing, insurance, and KiwiSaver. Free consultation.
- [Mortgage Broker Paraparaumu Beach](https://orangenetwork.co.nz/paraparaumu-beach-mortgage-broker): Mortgage broker for Paraparaumu Beach. Home loans and refinancing with Orange Network, a short drive from our Coastlands office in Paraparaumu.
- [Mortgage Broker Raumati](https://orangenetwork.co.nz/raumati-mortgage-broker): Mortgage broker in Raumati, Kapiti Coast. First home, refinance, and investment lending with Orange Network from our Paraparaumu office.
- [Mortgage Broker Raumati Beach](https://orangenetwork.co.nz/raumati-beach-mortgage-broker): Mortgage broker for Raumati Beach. Home loans and refinancing with Orange Network, serving the beach and the rest of the Kapiti Coast.
- [Mortgage Broker Raumati South](https://orangenetwork.co.nz/raumati-south-mortgage-broker): Mortgage broker in Raumati South, Kapiti Coast. First homes, refinancing, and investment loans with Orange Network in Paraparaumu.
- [Mortgage Broker Waikanae](https://orangenetwork.co.nz/waikanae-mortgage-broker): Mortgage broker in Waikanae. Home loans, refinancing, and KiwiSaver advice from Orange Network, based at Coastlands in Paraparaumu.
- [Mortgage Broker Waikanae Beach](https://orangenetwork.co.nz/waikanae-beach-mortgage-broker): Mortgage broker for Waikanae Beach. First home buyers, refinancing, and investment loans with Orange Network on the Kapiti Coast.
- [Mortgage Broker Otaki](https://orangenetwork.co.nz/otaki-mortgage-broker): Mortgage broker in Ōtaki. Home loans for Ōtaki and Ōtaki Beach with Orange Network, the Kapiti Coast advisers based in Paraparaumu.
- [Mortgage Broker Paekākāriki](https://orangenetwork.co.nz/paekakariki-mortgage-broker): Mortgage broker in Paekākāriki. Home loans and refinancing with Orange Network, based at Coastlands on the Kapiti Coast.
- [Mortgage Broker Te Horo](https://orangenetwork.co.nz/te-horo-mortgage-broker): Mortgage broker for Te Horo, Kapiti Coast. Lifestyle blocks, family homes, and refinancing with Orange Network in Paraparaumu.
- [Mortgage Broker Auckland](https://orangenetwork.co.nz/auckland-mortgage-broker): Independent mortgage advice for Auckland. First homes, refinancing, and investment property, by video with an FMA-licensed adviser.
- [Mortgage Broker Christchurch](https://orangenetwork.co.nz/christchurch-mortgage-broker): Mortgage broker for Christchurch, Rolleston, and Rangiora. First homes, new builds, and refinancing by video with an FMA-licensed adviser.
- [Mortgage Broker Hamilton](https://orangenetwork.co.nz/hamilton-mortgage-broker): Mortgage broker for Hamilton, Cambridge, and Te Awamutu. First homes, new builds, and refinancing by video. FMA licensed.
- [Mortgage Broker Tauranga](https://orangenetwork.co.nz/tauranga-mortgage-broker): Mortgage broker for Tauranga, Mount Maunganui, and Pāpāmoa. First homes, apartments, and refinancing by video. FMA licensed.
- [Mortgage Broker Dunedin](https://orangenetwork.co.nz/dunedin-mortgage-broker): Mortgage broker for Dunedin and Mosgiel. First homes, student-flat investments, and refinancing by video. FMA licensed.
- [Mortgage Broker Porirua](https://orangenetwork.co.nz/porirua-mortgage-broker): Mortgage broker in Porirua. First homes in Whitby, Aotea, and Titahi Bay, plus refinancing. Meet in person or on video.
- [Mortgage Broker Lower Hutt](https://orangenetwork.co.nz/lower-hutt-mortgage-broker): Mortgage broker for Lower Hutt, Petone, and Wainuiomata. First homes and refinancing, in person or on video. FMA licensed.
- [Mortgage Broker Upper Hutt](https://orangenetwork.co.nz/upper-hutt-mortgage-broker): Mortgage broker for Upper Hutt, Trentham, and Silverstream. First homes, larger sections, and refinancing. In person or video.
- [Mortgage Broker Palmerston North](https://orangenetwork.co.nz/palmerston-north-mortgage-broker): Mortgage broker for Palmerston North and Feilding. First homes, rentals, and refinancing by video with an FMA-licensed adviser.
- [Mortgage Broker Levin](https://orangenetwork.co.nz/levin-mortgage-broker): Mortgage broker for Levin and Horowhenua. First homes, lifestyle blocks, and refinancing. Meet at home, in Paraparaumu, or on video.
- [Mortgage Broker Masterton](https://orangenetwork.co.nz/masterton-mortgage-broker): Mortgage broker for Masterton and the Wairarapa. First homes, lifestyle property, and refinancing by video. FMA licensed.
- [Mortgage Broker Whanganui](https://orangenetwork.co.nz/whanganui-mortgage-broker): Mortgage broker for Whanganui. First homes, rentals, and refinancing by video with an FMA-licensed adviser. No upfront fee.
- [Mortgage Broker Napier](https://orangenetwork.co.nz/napier-mortgage-broker): Mortgage broker for Napier, Hastings, and Havelock North. First homes, rentals, and refinancing by video. FMA licensed.
- [Mortgage Broker Rotorua](https://orangenetwork.co.nz/rotorua-mortgage-broker): Mortgage broker for Rotorua and Ngongotahā. First homes, rentals, and refinancing by video with an FMA-licensed adviser.
- [Mortgage Broker New Plymouth](https://orangenetwork.co.nz/new-plymouth-mortgage-broker): Mortgage broker for New Plymouth and Taranaki. First homes, lifestyle blocks, and refinancing by video. FMA licensed.
- [Mortgage Broker Whangārei](https://orangenetwork.co.nz/whangarei-mortgage-broker): Mortgage broker for Whangārei and Northland. First homes, lifestyle blocks, and refinancing by video. FMA licensed.
- [Mortgage Broker Nelson](https://orangenetwork.co.nz/nelson-mortgage-broker): Mortgage broker for Nelson, Richmond, and Motueka. First homes, lifestyle property, and refinancing by video. FMA licensed.
- [Mortgage Broker Queenstown](https://orangenetwork.co.nz/queenstown-mortgage-broker): Mortgage broker for Queenstown, Arrowtown, Cromwell, and Wānaka. Apartments, first homes, and investments by video. FMA licensed.
- [Mortgage Broker Invercargill](https://orangenetwork.co.nz/invercargill-mortgage-broker): Mortgage broker for Invercargill and Southland. First homes, rentals, and refinancing by video with an FMA-licensed adviser.