Mortgage Broker Napier
First homes, rentals, and refinancing for Napier, Hastings, Havelock North, and the wider Hawke's Bay.
Mortgage advice for Napier and Hawke's Bay
Napier and Hastings are twin cities with one shortlist. A house in Taradale, an apartment near Ahuriri, a family home in Havelock North, and a Hastings street address get compared in the same month by the same buyers. The deposit does not care which city. The property, the insurance, and sometimes the flood or coastal history of a section do.
Appointments are by video with an adviser from our Paraparaumu team. We are FMA licensed (FSP665511), we compare 16+ lenders, and there is no upfront fee for mortgage advice — the lender pays a commission on settlement.
Hawke's Bay income is not always a salary. Horticulture, viticulture, contracting, and seasonal work are normal here. Lenders read that income differently from each other, which is exactly where the comparison matters.
Seasonal and self-employed income
If your income follows the harvest, a contract, or your own business, bring two years of financial statements rather than a single good season. Some lenders average income. Some lean on the most recent year. Picking between them is the job, and it happens before a property is on the line.
A payslip earner in the same house is a simpler file. Tell us which one you are in the first five minutes.
The property still decides
Coastal sections around Ahuriri and the hill, and low-lying sections anywhere in the Bay, raise an insurance question a lender will ask anyway. Get the quote early. It changes the weekly number you are actually committing to.
First home buyers: KiwiSaver after three years of membership, for a home you will live in, with $1,000 left behind. The First Home Grant closed on 22 May 2024. Pre-approval usually runs about 60 to 90 days.
Napier, Hastings, and Hawke's Bay
- Taradale
- Ahuriri
- Hastings
- Havelock North
- Clive
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 Hastings and Havelock North, or only Napier?
- All of Hawke's Bay. Napier, Hastings, and Havelock North are usually one search, and one pre-approval can sit behind any of them.
- Can you help if my income is seasonal or from contracting?
- Yes. Bring two years of statements. Lenders treat seasonal and self-employed income differently, so the file goes to the one whose policy fits yours.
- How do Napier appointments work?
- By video, with an adviser from our Paraparaumu team. You do not need to travel for the meeting.
- Can you refinance a Hawke's Bay mortgage?
- Yes. Start about 90 days before the fixed rate ends, with the loan statement and the end date, so staying and moving can be compared properly.
- Is mortgage advice free in Napier?
- Yes. There is no upfront fee. The lender pays Orange Network a commission 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.