Mortgage Broker Palmerston North
First homes, rentals, and refinancing for Palmerston North and Feilding.
Mortgage advice for Palmerston North and Feilding
Appointments for Palmerston North are by video with an adviser from our Paraparaumu team. The conversation is the same one we would have in the office: income, debts, the deposit, and which of 16+ lenders fits. We are FMA licensed (FSP665511).
The city and Feilding come up together. Kelvin Grove, Milson, Awapuni, and Ashhurst are different houses inside that choice. A first home you will live in, and a rental near Massey or the Linton community, are not the same application. A lender may not count the full rent you expect, and a house you will occupy follows different rules.
There is no upfront fee. The lender pays a commission on settlement. If you would like insurance or a KiwiSaver review in the same conversation, say so. They can sit alongside the loan.
Rental property
Palmerston North has a steady rental market, with Massey, Linton, and its role as a regional centre. The rent on a listing is not always income a bank will use. We calculate repayments from the figure a lender accepts.
If you live in the house and rent a room, tell us exactly how that works. A boarder, a tenancy, and moving out while keeping the house as a rental are three different applications.
First home, including Feilding
Buyers in Feilding are often comparing the town with a Palmerston North suburb. One pre-approval can cover that choice. It usually lasts 60 to 90 days, and it needs to be revisited if your income changes.
KiwiSaver withdrawal: three years of membership, a home you will live in, $1,000 left in the account. Australian super transfers stay where they are. The First Home Grant closed on 22 May 2024 and is not part of the plan.
Palmerston North and Feilding
- Kelvin Grove
- Milson
- Awapuni
- Ashhurst
- Feilding
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 visit Palmerston North?
- Appointments are by video with an adviser from our Paraparaumu team. You get the same lender comparison as a meeting in the office.
- Do you cover Feilding?
- Yes. Feilding is part of the same advice. Buyers compare it with Palmerston North suburbs all the time.
- Can you help with a rental property?
- Yes. It is an investment loan, and the rent a lender counts may be lower than the rent you expect to charge.
- Is the advice free?
- Yes. You do not pay an upfront fee. The lender pays Orange Network a commission when the loan settles.
- Can I use KiwiSaver if I already own a home?
- Sometimes, if Kāinga Ora confirms you are in a similar financial position to a first-home buyer, and the house will be the one you live in. It is not available for a rental.
Ready to get started?
Book a video appointment with an adviser from our Paraparaumu team. We will work through the lending with you.