What type of loans do you do/offer?
We offer personal loans, business loans and mortgages. For both personal and business loans these can be secured or unsecured.
What do I need to apply?
- You need to be at least 18 years old
- Valid Photo ID:
Option 1: NZDL
Option 2: NZ Passport (Overseas Passport also accepted with Residency confirmation provided)
Option 3: 18+ Card along with embossed + signed bank card
- A NZ Citizen or Resident (If you hold a Work Visa we may still be able to assist, please call us to discuss your personal circumstances) Receive a regular source of income, this can be through employment or Government benefit.
What is your criteria?
Our lending criteria varies. We are a broker and work closely with a number of trusted finance partners, this enables us to offer flexible lending criteria, covering a wide range of needs and personal circumstances of our clients.
Do you charge a fee for your service?
Yes, we do charge a fee, this is called a broker fee. As every application is unique, the fee charged will vary depending on the work and time spent on attaining the loan approval for you. The broker fee is added to the total loan amount and is not required to be paid up front.
What if I have bad credit?
Our dedicated team like to focus on your current situation and future credit worthiness, whereas others tend to look at your past. If you have bad credit, we may still be able to assist. In some cases, security would be required and the interest rate you are offered may be higher. If you are unsure about your situation, please give us a call.
Do I need security?
We offer both secured and unsecured lending options. Security may be required if you have adverse credit history or to secure a lower interest rate.
Do I need to be a home owner?
No, we welcome all clients to apply.
Do I need a Drivers Licence?
For vehicle finance yes, you will need to hold a NZ Drivers Licence. If you are applying for a loan for any other purpose, we can also accept a Passport or 18+ Card along with embossed + signed bank card.
I am on a Work Visa; can I still apply?
In some cases we can assist if you hold a valid Work Visa – The loan term would be limited to the expiry of your Visa and security may be required. To discuss your personal circumstances, please give us a call.
I’m unemployed, can I still apply?
Yes, if you are receiving a Government benefit you are welcome to apply. The maximum amount you can borrow will be subject to affordability.
What is a co-borrower/guarantor?
If we cannot get you approved by yourself, we will often ask if you can bring a co-borrower on to the loan. This is usually a partner or family member. They are added to support your application, meaning we can take their profile into account and we can also use any security they provide. There is essentially no difference between a guarantor or co-borrower, as in both cases they will be equally liable for the loan just as much as you are, so is important that it is someone you can trust and who also trusts you.
What is the interest rate?
The rates we can offer vary as we deal with a wide range of finance partners; the interest rate you will be offered is determined by the loan type, your personal profile, and if any security is being offered. Rest assured our dedicated team work very hard to find the best deal for you, if the rate you are offered doesn’t work for you, talk to us.