Turning Property into Prosperity:

The Strategical Advantage of Debt Consolidation


Harnessing Home Equity for Debt Consolidation. Get Debt Free Today!

Debt-Free Living Begins at Home -Aim for Debt Consolidation Success

Feel the need to regain control over your debts and experience the freedom to enjoy life without financial stress?

Juggling multiple debts can be both time-consuming and overwhelming. It's crucial to explore effective ways to re-establish financial stability, take command of your cash flow, and work towards becoming and remaining debt-free. For homeowners, a viable option to streamline finances may involve consolidating debts. By consolidating your debts into a single loan, you simplify your financial obligations. Instead of managing various repayments, you only need to handle one monthly payment, making the entire process significantly more manageable.

If you're considering debt consolidation, we can connect you with a skilled mortgage broker in Paihia who can guide you through the process, offering tailored solutions to help you achieve financial consolidation and peace of mind.

Let Laura find the lender that works best for you

Navigate Debt Waters with an Expert Mortgage Broker in Paihia

Understand that the equity in your home serves as a valuable resource for consolidating debts, enabling you to combine multiple payments into a more convenient single monthly installment.

Exploring the option of borrowing against your mortgage to settle debts could be a strategic move toward achieving your financial objectives. However, it's crucial to meticulously weigh the pros and cons associated with this decision.

To gain a comprehensive understanding of the implications, we can recommend a skilled mortgage broker in Paihia, as they can guide you through the intricacies debt consolidation, and whether it aligns with your specific financial circumstances.

The Art of Debt Consolidation through Home Equity

Harness the value of your home to overcome the constraints of debt. Utilising the equity stored in your property can be a strategic move.

Debt consolidation operates by securing a new loan to settle your current debts, which may include any associated early repayment charges. Depending

on your mortgage terms and your specific financial circumstances, consolidating debts has the potential to lower your monthly payments and save you money on interest.

For personalised guidance on whether remortgaging to clear debt aligns with your needs, consult with a seasoned mortgage adviser recommended by Mortgage

Broker Services. Their expertise can help you make informed decisions tailored to your individual situation.

FAQs - Debt Consolidation

What is debt consolidation, and how does it work?

Debt consolidation is a financial strategy that involves combining multiple existing debts into a single, more manageable loan. Typically, a new loan is obtained to pay off various outstanding debts, streamlining the repayment process. This approach may include settling early repayment charges and is designed to simplify financial obligations, potentially lowering monthly payments and saving money on interest.

What factors should I consider when choosing a mortgage for debt consolidation?

When selecting a mortgage for debt consolidation, several crucial factors come into play. Consider the interest rate, loan term, and any associated fees. Additionally, evaluate whether the new mortgage aligns with your financial goals and repayment capacity. Consulting with a mortgage broker expert can help you navigate these considerations and find a solution that not only consolidates your debts but also fits seamlessly into your overall financial strategy.

How do I know if debt consolidation is the right choice for me?

Determining if debt consolidation is suitable depends on your individual

financial situation, goals, and the types of debts you have. Consultation

with a financial advisor or mortgage broker can provide personalized

guidance. Factors such as interest rates, monthly payments, and the overall impact on your financial well-being should be carefully considered before deciding if debt consolidation aligns with your needs.

Your Paihia Mortgage Broker is One Click Away!

Opening Doors to Your Future Home


Buying your first home is exciting. But also daunting. Don't be put off from your dream, let Laura guide you.


Whether it is the end of a fixed rate deal or simply a change in circumstances it makes sense to look at your options.

Debt Consolidation

Combine your debt to pay it down faster. Giving you the financial freedom you deserve to achieve your goals.

New Build Finance

Building a new home? Secure new build finances so you only draw down the money when necessary saving you $$$.

Investment Purchase

Increasing your property portfolio? Secure the best rates for your investment property with Mortgage Broker Paihia.

Moving & Bridging

Whether you need to buy before selling or simply bridge your finances. A bridging loan could be the right solution.


Combine your debt to pay it down faster. Giving you the financial freedom you deserve to achieve your goals.


Whether you need to buy before selling or simply bridge your finances. A bridging loan could be the right solution.

Why go for ‘Mortgage Broker Paihia’?

Get great mortgage advice and insights from Laura Cates.

Laura is an expert in the field of loans and will do her best to secure the finest deal for you.

With her extensive industry connections, Laura Cates of Mortgage Lab can put you in touch with a wide variety of reliable New Zealand lenders.

It is simple and stress-free to complete and submit your application online. Alternatively, you can meet in person, via Zoom meeting, telephone, or over the phone.

Whatever your situation, Laura has access to over 26 lenders, turning the odds in your favour.

Owning a home is a cherish dream. However, when it comes to loans many people fail to take into account what they can afford. That said, a home loan entails monthly payments on a long-term mortgage. You can count on Laura, she is here to assist you in making sure your debt is manageable and sustainable for the future.

Make sure the mortgage broker you choose puts your needs first. Definitely, not the banks!

Whole of marketing lending is within reach.

Explore more options, not just one bank

Open more doors to possible lenders through their network

Always multitasking - a mortgage expert can review existing insurances at the same time

Free mortgage insights to move you forward

There is no fees payable by you (The bank pays the fees!)

Remortgage now and save money in interest payments

Get the best rates by letting you mortgage expert find the perfect financing partner for you.

Take years off your mortgage payments, giving you more freedom to enjoy

Get out of debt faster and focus on what's important to you



What is a Home Loan?

A Home Loan, provided by a bank, enables property purchase, with a commitment to repay over a specified time frame. In New Zealand, these loans typically extend over 20-30 years. Failure to meet payments may result in the bank selling or claiming the property. Bank financing is a common avenue for New Zealand homeowners to make their housing aspirations a reality.

Why should I consult with Mortgage Broker In Paihia, such as Laura Cates rather than dealing directly with a bank?

The personalised service we once anticipated from our banks is now from a bygone era. With a broker Like Laura advocating for you, that individual connection is restored, aligning with your best interests and actively working to secure optimal outcomes for you. As a mortgage broker, Laura assesses policies, rates, and banks' preferences for your unique circumstances. This ensures placement with lenders offering favourable outcomes and terms tailored to your needs.

How much will mortgage brokers cost me in fees?

In most cases, brokers do not demand payment. The banks will pay them a commission once your loan is paid off. This commission is not taken out of your wallet; rather, it is seen by the banks as part of the expense of customer onboarding and may be sourced from their marketing or staffing budget, among other places.

You will not be charged for the time and service provided by a broker. BUT, in a few cases, you might need a private or non-bank lender, and in those cases, the lender might end up charging you more for our service. No action will be taken without your complete understanding and authority to do so, and if your circumstance is likely to fall into this category, we will discuss it with you thoroughly in advance.

Home loans for first-time home owners here in Paihia

A first-time homebuyer may feel overwhelmed. Having someone there to guide you, provide guidance, and provide support can make a world of difference at times. Consider the route to homeownership an emotional journey as well as a financial adventure! Laura is happy to assist first-time homebuyers, and she would love the chance to do the same for you.

Investment purchase / top up existing borrowing

A skilled mortgage broker will discover the best option for your needs, whether you are looking to fund home improvements, topping up or buying an investment property. With Laura's assistance, you can navigate this process smoothly. The choice is yours – whether to save money while settling debts or make an investment property thrive. Don't hesitate to reach out - Laura is here to assist you without delay.

New build lending - Building your dream home here in the Paihia district?

The ongoing construction boom in Paihia presents an opportune time to acquire your dream home. However, potential hurdles like delays, supply shortages, and price fluctuations may impact your application. For a smoother financing process, consult an expert mortgage broker in Paihia like Laura who can keep you informed about these developments to ensure a more seamless experience.

What about fixed rate rollovers or re-mortgaging?

As the financial landscape evolves, your interest rates fluctuate. A shift in rates is an ideal opportunity to engage in a conversation with a mortgage broker. Is your current bank meeting your needs? What offerings do other lenders have? Moving your business could potentially yield a significant cash contribution. Laura can help you explore avenues to reduce expenses or adjust loan terms through simple tweaks, ensuring your financial strategy remains optimised.

Dream Homes Begin with Expert Mortgage Advice

Laura can help you secure the ideal mortgage, turn that dream into a real world address. Whether you're a first-time buyer or seeking a refinancing solution, unlock the door to your dream home in Paihia with the assurance of a knowledgeable mortgage broker every step of the way.

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DISCLAIMER – The information, resources, calculators and any other information contained in and on this website are provided as general information and are not intended to be financial advice. Before making any financial decisions, you should consult a professional financial adviser. Nothing on this website is, or should be taken as, an offer, invitation or recommendation to buy, sell or retain a regulated financial product. 1768Degrees Ltd accepts no responsibility for any loss caused as a result of any person relying on any information or calculations in or from this website..

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