Looking To Purchase An Investment Property In Paihia?


Thrive Today with Investment Purchases and Top Up Existing Borrowing for Financial Triumph.

Fortify Your Finances - The Power of Diversifying with Investment Properties

Have your sights set on an investment property in Paihia?

Considering the prospect of investing in an additional property that you can lease out is a commendable initiative towards making your money labour for your long-term aspirations. Diversifying your portfolio with investment properties not only fortifies your assets but also unveils fresh avenues for generating income in Paihia. An investment property, in essence, involves acquiring real estate with the primary objective of earning passive income through either rental returns or appreciation over time.

It's noteworthy that in the pursuit of such ventures, engaging

with a mortgage broker in Paihia can be immensely advantageous. A trusted mortgage professional has an in-depth understanding of the mortgage market, encompassing various loan types, interest rates, and lending criteria. Let's get you in touch with one today!

Let Laura find the lender that works best for you

Your Path to the Perfect Loan for your Top-Ups and Investment Purchases

In Paihia, mortgage brokers can leverage their expertise and offer you tailored advice regarding the most suitable loans and investment purchase options aligned with your specific investment objectives and guide you seamlessly through the application process.

A trusted mortgage broker extends beyond the initial stages,

providing ongoing support throughout the lifespan of your loan.

This includes valuable assistance with refinancing opportunities

or renegotiating the terms of your loan to better align with your

evolving financial circumstances. Furthermore, these experts can offer insights into other pertinent financial matters such as

insurance considerations and effective purchase investment strategies, contributing to a holistic and well-informed approach to your financial endeavours.

Find relief in sight, let's connect you to a mortgage broker in Paihia.

Amplify Your Portfolio -Explore Investment Purchases and Borrowing Top-Ups with the Best Mortgage Broker in Paihia

When it comes to investment purchases, change is constant and linking up with a knowledgeable mortgage broker becomes a proactive step towards staying ahead. These professionals not only understand the current financial landscape but also have an eye on the evolving trends and regulatory shifts in Paihia.

Call us to connect to a seasoned mortgage broker, they can ensure that your investment purchase remains robust and adaptable to the dynamic nature of the market.

FAQs - Investment Purchase / Topping Up Existing Borrowing

What is the difference between an investment purchase and topping up existing borrowing?

An investment purchase involves acquiring additional properties with the intent of generating income through rental returns or appreciation. On the other hand, topping up existing borrowing refers to increasing the amount of an existing loan, providing additional funds for various purposes, such as further investment, home improvements, or debt consolidation.

How can topping up existing borrowing benefit me in terms of investment?

Topping up existing borrowing can be a strategic move to access additional funds for investment opportunities. By leveraging the equity in your property, you can secure financing for new investments, potentially diversifying your portfolio and increasing potential returns. It's crucial to assess the associated costs and benefits with your financial advisor to ensure it aligns with your overall goals.

What factors should I consider before pursuing an investment purchase or topping up my existing borrowing?

Before making such financial decisions, consider factors like your overall financial goals, risk tolerance, and market conditions. Evaluate the potential returns and associated risks of the investment or borrowing. It's advisable to consult with a financial advisor or mortgage broker who can provide personalised advice based on your specific situation.

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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Proudly supporting Laura Cates to support residents in Mangawhai. 1768Degrees Ltd earns a referral commission from this service

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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