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Home Loan

Buying a home? We make your home loans easy with expert advice and top lender options. Start your journey today!

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First Home Buyers

Buying Your First Home? You Don’t Have to Figure It Out Alone.

Getting on the property ladder can feel overwhelming – but it doesn’t have to. We help first home buyers like you navigate every step with clarity, confidence, and less stress.

Here’s how we help:

  • Explain what you can borrow and what’s realistic
  • Get you pre-approved fast so you can house-hunt with confidence
  • Access first-home buyer schemes, KiwiSaver withdrawals, and grants
  • Structure your loan for long-term flexibility and affordability
  • Support with everything from deposits to working with your lawyer

 

You’ll get advice from someone who’s on your side – not the bank’s. And we’ll make sure you understand every decision, every step of the way.

Need a deposit? Let’s Talk Strategy.

Struggling with a deposit for your first home? We’ll help you explore smart ways to pull it together – starting with your KiwiSaver.

If you’ve been in KiwiSaver for at least three years, you may be able to withdraw most of your balance to put toward your first home. We’ll guide you through the eligibility criteria, withdrawal process, and how to combine this with other options like the First Home Grant.

We can also help you get pre-approved before you even start house hunting – giving you a clear budget, stronger negotiating power, and peace of mind.

Our advisers look at your full picture, including:

  • KiwiSaver strategies
  • Deposit planning
  • Home loans
  • Personal and life insurance
  • Business finance
  • And more – tailored to your goals

Why Choose INNOVEST?

Because the right home loan isn’t just about the rate - it’s about the right structure, support, and strategy.

Get a loan tailored to your financial situation, not just a bank’s checklist

Access competitive deals from a wide range of trusted lenders

Let us negotiate and handle the paperwork, so you don’t have to

Save time and reduce stress with our expert, end-to-end guidance

Shop with confidence by securing your pre-approval early

Enjoy peace of mind with a loan that fits your lifestyle now - and later

We make home loans feel less like a process, and more like progress.

Let us get the best Home Loan deal for you

Book a chat with our mortgage experts

We’re here to support you at every step of your financial journey. We strive to respond to your inquiries within one business day, during our office hours of 10:00 AM to 6:00 PM.

    Next Home Buyers

    Time to Upgrade? Let’s Make the Move Simple.

    Whether you’re upsizing, downsizing, or relocating – buying your next home comes with new challenges. We’ll help you manage the move without the stress.

    Here’s what we can help with:

    • Bridge the gap between selling your current home and buying your next
    • Secure finance with top-up loans, bridging loans, or porting your current mortgage
    • Ensure your loan structure suits your new lifestyle or income
    • Navigate timing issues, equity use, and simultaneous settlements
    • Help coordinate with your lawyer, real estate agent, and accountant

     

    We’ll map out your options clearly so you can focus on your next chapter – not paperwork or pressure.

    Why Choose INNOVEST for Your Next Home?

    Upgrading or relocating can be complex - but with the right advice, it doesn’t have to be stressful. Here’s how we make your next move easier:

    We structure your new home loan to suit your lifestyle, income, and goals

    We compare deals from multiple lenders to get you competitive rates and terms

    We handle negotiations and lender paperwork on your behalf

    We simplify the process so you save time and avoid common pitfalls

    We secure pre-approval upfront so you can make offers with confidence

    We review your loan over time to keep it working for you as your life evolves

    From start to settlement and beyond - we’re here to make your next home a smarter move.

    Let us get the best Next Home Loan deal for you

    Book a chat with our mortgage experts

    We’re here to support you at every step of your financial journey. We strive to respond to your inquiries within one business day, during our office hours of 10:00 AM to 6:00 PM.

      Investment Properties

      Grow Your Wealth with the Right Property Finance Strategy

      Investing in property is one of the most powerful ways to build long-term wealth but only if it’s structured correctly from the start.

      Here’s how we help property investors:

      • Access to banks and specialist lenders for investment lending
      • Help understandinginterest-only loans, offsets, and tax implications
      • Tailored loan structures that supportcash flow and portfolio growth
      • Advice onusing equity for deposits or leveraging existing properties
      • Support withLLC, trust, or joint ownership structures in collaboration with your accountant

       

      Whether it’s your first rental or part of a growing portfolio, we’ll make sure your lending is working for your strategy – not against it.

      Why Choose INNOVEST for Property Investment?

      Property investment is a powerful wealth-building tool - but the right lending strategy makes all the difference. Here’s how we support your investment success:

      We match you with the right lender based on your goals, strategy, and financial position

      We negotiate for maximum borrowing power, so you can move quickly when the opportunity’s right

      We secure competitive investment rates and help structure your loan for long-term performance

      We speak your language - and we work alongside your accountant or property adviser when needed

      We don’t just get you a loan - we help you build a strategy that grows with you.

      Let us get the best Investment deal for you

      Book a chat with our mortgage experts

      We’re here to support you at every step of your financial journey. We strive to respond to your inquiries within one business day, during our office hours of 10:00 AM to 6:00 PM.

        Refinance

        Still on the Right Loan? Let’s Check.

        Interest rates, lending rules, and your own financial situation can change – and so should your mortgage.

        Refinancing could help you:

        • Lower your repayments
        • Shorten your loan term
        • Tap into equity for renovations, investments, or big life goals
        • Consolidate debt or switch to a more flexible loan structure
        • Fix mistakes from a past loan setup that no longer works for you

         

        We’ll compare your current setup with what’s available across the market – and show you exactly where you can save.

        Let us get the best Refinance deal for you

        Book a chat with our mortgage experts

        We’re here to support you at every step of your financial journey. We strive to respond to your inquiries within one business day, during our office hours of 10:00 AM to 6:00 PM.

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