Valuable Equity Resides in Your Home

Equity Release / Reverse Mortgage

Use Equity Release to Access the Value of Your Home

Discover the Benefits of Equity Release and Unlock the Value of Your Home

In Paihia, your home is more than just a place to live - it's a valuable asset that can unlock your financial independence.

Equity release offers homeowners the opportunity to access the significant financial value locked within their homes, offering a distinct path to financial flexibility without the requirement to sell or move.

A home holds great personal value and serves as a valuable asset for many individuals. Accrued equity, which is the difference between the market value of your home and the remaining mortgage, can prove to be a valuable source of income during your later years. It can provide a much-needed financial cushion when you need it the most.

If you're considering an equity release plan, it's wise to consult with mortgage equity experts. Mortgage Broker Paihia can help you connect with a professional who can provide guidance. Working with a skilled mortgage expert can provide valuable assistance in understanding the fine details and considering various options that align with your long-term objectives and financial constraints.

Let Laura find the lender that works best for you

Make Equity Release Work for You - Enjoy Life to the Fullest

Leverage the value of your Paihia home to secure your retirement and attain financial freedom. Homeowners who are 60 years of age or older have the opportunity to benefit from equity release, allowing them to receive a one-time payment or ongoing payments while still keeping their cherished homes.

In Paihia, you have complete freedom to use the funds that have been released in any way you choose, whether it's through lifetime mortgages or home reversion schemes. With the assistance of the right mortgage broker, you can take a break from your monthly mortgage payments until you enter long-term care or pass away. This will provide you with the opportunity to fully enjoy your retirement and relax.

Contact us at Mortgage Broker Paihia. We aim to connect you with an experienced mortgage professional who will expertly navigate you through the home equity release process, offer valuable insights, and provide unwavering support throughout the entire journey.

Convert the Equity in Your Home into Cash Without Making Monthly Payments

Unlock greater financial freedom by leveraging the value of your home to access cash. Unlike a traditional mortgage, there are no regular payments to worry about. You have the option to delay repayment of the loan until you sell your home, relocate, or pass away. You can maintain the joy of being a Paihia homeowner and benefit from the increasing value of your home, allowing you to live your retirement on your own terms.

FAQs - Equity Release / Reverse Mortgage

What is Equity Release?

Individuals who have the privilege of owning their own homes and have reached the age of 55 to 60 can explore the option of equity release. This allows them to access a portion of their home's value without the need to sell or transfer ownership. There are two primary types available: home reversion plans and lifetime debts. With home reversion plans, you have the option to sell some or all of your property, using it as collateral for a loan. The loan is typically repaid upon the homeowner's passing, entry into long-term care, or sale of their home.

What are some potential ways to utilise the equity that has been freed up?

Equity release funds offer a multitude of possibilities, allowing you to enhance your retirement income, cover medical expenses, make home improvements, settle debts, or provide financial assistance to your loved ones. This versatile solution can be easily customized to meet the unique needs and preferences of every homeowner in Kerikeri.

Is it possible to repay the Equity Release loan ahead of schedule?

It is crucial to thoroughly review the terms and conditions of your specific equity release plan as certain options may allow for early loan repayment. Before considering paying off your loan early, it's advisable to consult with your equity release provider. This will help you avoid any potential additional fees or penalties that may arise.

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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