Mortgage Broker Saint Marys Bay
St Marys Bay is villas and apartments on the harbour edge, between Herne Bay and the city.
Mortgage advice for Saint Marys Bay
Villas need the consent history. Apartments need the body corporate, and a few sites sit close enough to the water that insurance should be quoted early.
The suburb is small and expensive, and the properties are not uniform. Send the address before we talk as if every listing were a villa.
Appointments for Saint Marys Bay are by video with an adviser from our Paraparaumu team. We are FMA licensed (FSP665511), independent of any one bank, and we compare 16+ lenders. Mortgage advice is free to you. The lender pays a commission when the loan settles.
Say what you are actually buying
Tell us what you are actually buying in Saint Marys Bay. A house on its own section, an apartment with a body corporate, and a place with a commercial use do not go to the same lender on the same terms. The rate comparison comes after that, not before.
People comparing Saint Marys Bay usually also look at Herne Bay, Freemans Bay, Ponsonby, and Auckland City Centre. Each of those has its own page. The adviser is the same. The property is not.
What to have ready
Tell us the use of the property in the first message: home, rental, or commercial. If there is a lease in place, the rent and the term are part of the file.
Photo ID, recent payslips, or two years of financial statements if you are self-employed. A list of debts, including buy-now-pay-later and the limit on a card you clear every month. A KiwiSaver statement if that balance is the deposit. You do not need a sale and purchase agreement to start.
Near Saint Marys Bay
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
- What should I tell you about a Saint Marys Bay property?
- Villas need the consent history. Apartments need the body corporate, and a few sites sit close enough to the water that insurance should be quoted early. House, apartment, or a commercial use: say which one it is.
- Can I use KiwiSaver for a first home in Saint Marys Bay?
- Yes, if you have been a member for at least three years and the house is one you will live in. You leave $1,000 in the account. The withdrawal and the loan have to be ready together. The First Home Grant closed on 22 May 2024.
- Do you have an office in Saint Marys Bay?
- Our office is at Coastlands in Paraparaumu. Auckland appointments are by video, with the same documents and the same lender comparison as a meeting in person.
- Is mortgage advice free?
- Yes. There is no upfront fee for mortgage advice. Orange Network is paid a commission by the lender when the 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.