Mortgage Broker Queenstown
Apartments, first homes, and investment property for Queenstown, Frankton, Arrowtown, Cromwell, and Wānaka.
Mortgage advice for Queenstown-Lakes
Queenstown-Lakes lending starts with the deposit, because the prices start there. A Frankton apartment with a body corporate, a family build at Hanley's Farm or Jack's Point, an Arrowtown character house, and a place in Cromwell or Wānaka are all in this district and none of them is the same application. The body corporate, the build contract, or the way the property will be rented decides the lender list.
Appointments are by video with an adviser from our Paraparaumu team. We are FMA licensed (FSP665511) and we compare 16+ lenders. There is no upfront fee for mortgage advice — the lender pays a commission when the loan settles.
Tourism and construction income is normal here, and so is property bought partly to let. A fixed-term rent, short-term letting income, and a room in your own house are treated as three different things. We will tell you which one a lender will actually count before you rely on it.
Apartments and new builds
An apartment in Queenstown or Frankton needs the body corporate disclosure read before the application, levies in the expenses, and a lender comfortable with that building and its size. Some are. Some are not, at any deposit.
A house still being built in Cromwell, Wānaka, or the new Queenstown subdivisions needs the lender lined up with the builder's timeline and the sunset clause, not just the purchase price. Progress payments and a moving finish date are lending questions.
Letting it changes the loan
If the property will be rented, it is an investment application: a bigger deposit conversation, shaded rent, and the equity in the home you live in. Short-term letting projections are not rent to most lenders. Bring the actual history if there is one.
Buying to live in? KiwiSaver can be withdrawn after three years of membership, with $1,000 left in the account. The First Home Grant closed on 22 May 2024. At Queenstown prices the withdrawal is a contribution, not the deposit — the rest of the deposit plan is the first meeting.
Queenstown, Cromwell, and Wānaka
- Frankton
- Arrowtown
- Lake Hayes
- Cromwell
- Wānaka
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 Wānaka and Cromwell, or only Queenstown?
- The whole Queenstown-Lakes and Central Otago side: Frankton, Arrowtown, Cromwell, and Wānaka. One pre-approval can sit behind more than one town.
- Can you help with a Queenstown apartment?
- Yes. Body corporate levies, the building, and the unit size decide which lenders will consider it. We read the disclosure before the application goes in.
- Can I count short-term letting income toward the loan?
- Usually not at the projected figure, and sometimes not at all. Bring the actual letting history. We work from what a lender will accept.
- How do Queenstown appointments work?
- By video, with an adviser from our Paraparaumu team. Same lender comparison, no trip to the Kapiti Coast.
- Is mortgage advice free?
- Yes. There is no upfront fee. 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.