Mortgage Broker Tauranga
First homes, apartments, and refinancing for Tauranga, Mount Maunganui, and Pāpāmoa.
Tauranga, the Mount, and Pāpāmoa
Tauranga, Mount Maunganui, and Pāpāmoa are often searched together, and they are three different purchases. The Mount is often an apartment, sometimes a holiday home, and usually has a body corporate. Pāpāmoa is more often a newer family house. Tauranga itself runs from Ōtūmoetai through to Greerton.
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. The lender pays a commission when the loan settles, whether the property is at the Mount or in Bethlehem.
On a coastal property, get the insurance figure early. It changes the repayment you can actually live with. We would rather see that quote in the first meeting than discover it after the offer is accepted.
An apartment, or a house
A Mount Maunganui apartment needs the body corporate disclosure, and a lender who will consider that building. The levies belong in the expenses. A house in Bethlehem, Greerton, or Pāpāmoa does not have that layer. The question there is the deposit, and whether a smaller deposit adds a margin.
If you will not live in the property full time, tell us. A holiday home or a rental is assessed differently from a home you will occupy. The rent a lender will use, and the equity in the home you live in, are what decide it.
First home, or a refinance
First-home buyers here are usually weighing Pāpāmoa against something closer in. KiwiSaver can form part of the deposit after three years of membership, for a house you will live in, with $1,000 left in the account. The First Home Grant closed on 22 May 2024.
If you already own and a fixed rate is ending, start about 90 days out. Bring the loan statement and the date. Staying with your current bank is one option. It is not the only one, and it is not automatically the cheapest once a cash contribution or a fee is counted.
Tauranga, the Mount, and Pāpāmoa
- Tauranga
- Mount Maunganui
- Pāpāmoa
- Bethlehem
- Greerton
- Ōtūmoetai
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 Mount Maunganui and Pāpāmoa?
- Yes. They are separate markets from Tauranga itself. An apartment at the Mount and a house in Pāpāmoa go to lenders with different questions.
- Can you help if this is a holiday home?
- Yes, as an investment or second-home file. Tell us you will not be living in it. The lending rules are not the owner-occupier ones.
- Is there an office in Tauranga?
- Our office is in Paraparaumu. Tauranga appointments are by video, with the same lender comparison as a meeting in person.
- Should I get an insurance quote before we talk?
- If you already have one, bring it. On the coast the premium can change what the repayment feels like. We can also look at cover with you once the lending shape is clear.
- Do you only do mortgages?
- Mortgages are the usual starting point. The same advisers can also look at insurance and KiwiSaver, so the loan sits with the rest of the plan.
Ready to get started?
Book a video appointment with an adviser from our Paraparaumu team. We will work through the lending with you.