Home LoansINNOVEST Home Loans

First Home Buyers

We get home loans approved using our wide network of lending options using banks, non banks and specialist lenders and our experienced team of mortgage brokers.  At INNOVEST, we understand that buying your first home can be stressful, after all, we’re just like you. We have experience and knowledge you can rely on and can answer questions most of our clients ask us, such as;

  • “Do I have sufficient deposit?”
  • “Where can I get the best deal?”
  • “How should I structure my loan, so my money works for me?”
  • “Can I use my KiwiSaver?”

With the right mortgage adviser by your side, the whole process becomes a lot easier and hassle-free. AND IT IS A FREE HOME LOANS SERVICE TO YOU!

At INNOVEST, we strive to be the best mortgage advisers in the business.  Securing home loans is our business, and we will hold your hand through the complete process. We will explain all the costs and the procedures. Banks can sometimes be intimidating. Financial language can be hard to understand.

That’s where we come in.

As part of our consultation process, we understand your financial position and guide you on how to buy your dream home. We stay away from financial jargon and put you – the client – in the driver’s seat so that you can make an informed decision about your finances. We use our excellent negotiation skills, personal relationships and and extensive lending network, we can secure you a sweet deal. We’ll help structure your loan so you can save money and repay your mortgage faster.

Need a deposit?

We’ll also discuss your KiwiSaver investment options; if you’ve had KiwiSaver fund for three years, you can withdraw it for the deposit of your first home.

  • Do you know about Housing New Zealand’s First Home Deposit Subsidy?
  • Are you eligible for it?
  • This is also an excellent opportunity to get an extra few thousand for your deposit.

We can help guide you through this process. By getting you pre-approved before you even start looking for your home, you can save time and resources. We’re here to make home buying and securing the best deal a breeze. Talk to us today and ask us how.

Everyone has different needs and goals – our financial advisory services include sourcing the best home loan, providing personal loan advice, securing the best life and home insurance, securing business loans and sourcing the best KiwiSaver funds.

Next Home Buyers

So you want to move on? Whether you’re upsizing to accommodate the growing family, downsizing because you really don’t need all that space or just moving for the fun of it, talk to us.

By now you may be familiar with the process of purchasing a property and securing a loan but buying a second home can be every bit as complicated as the first. Negotiating with valuers, brokers, lawyers, and banks can be hard work. You benefit by having someone to in and bat for you.

By offering you more choice than the average banks, we can help you secure the best deal as well as remove most of the stress throughout the whole process. We can help you decide, by assessing your finances, whether you should sell your existing property before buying a new one or vice versa. Or if you’re looking for bridging finance, how will it work and how much will it cost you. Is it more beneficial to turn your current property into an investment?

With our help, buying your next home will be much easier. All you need to do is schedule a meeting with us so we can discuss things further. Our services are free of charge!

Investment Properties

Want to climb to that next level on the property ladder? Investing in property could be a great choice for you. Many people over the years have made a lot of money doing this so why miss out?

But with the change in lending criteria and tax rules, how should you arrange and structure your finances to succeed? How can your current property’s equity work to your advantage?

We’re here to answer these questions and help you climb the investment ladder.

We can help you negotiate a great deal and give advice on how to use the equity in your current home to buy your investment property. With years of experience behind us, we can also arrange meetings for you with lawyers, accountants, valuers, and building inspectors.


Paying too much? Or just want to rearrange things so your repayments are lower? Maybe you’d like to benefit from a lower interest rate? Or pay the mortgage off fast?

Refinancing may be your answer. But before you refinance, it is important to understand the terms of refinancing. Is your bank really giving you the best deal possible?

Talk to us. We can help assess your situation. With our choice of suppliers, we are able to help you refinance with a new structure to achieve what you want. We may even be able to get a cash back contribution from the bank to cover any costs involved, often with money left over!

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