Mortgage Broker
Help Available
Through New Zealand
Financial help with buying a house, home loans, using KiwiSaver, buying an investment property, refinancing your existing loans, a mortgage ‘tune up’ review, and more.
Award Winning Financial Adviser
Looking for an amazing mortgage broker? Buying a house can be a challenging process. With the right advice, this can be made easy. Just Financial provides a professional mortgage broker service that can help.
Home Loans
Help applying with a home loan through major New Zealand lenders.
Mortgage Review
If you already have a mortgage, we review it to see if it is working well.
KiwiSaver
Want to use your KiwiSaver towards buying your house? We can help.
Get Help From An Award Winning Financial Adviser
Want to buy a house? Looking for an amazing mortgage broker? Buying a house can be a challenging process. With the right advice, this can be made easy. Just Financial provides a professional mortgage broker service that can help you right throughout New Zealand. From first home buyers, to investors, as well as people who already have a house and want to refinance, there are many ways we help.
So if you’re thinking or applying to buy a property or want to refinance, or have a chat about KiwiSaver, talk to us first.
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Want to find out if you could get a home loan? Complete this form in less than 5 minutes for an indication.
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Home loans, debt consolidation, KiwiSaver and insurance help made easy. Contact us today.
Fast turnaround
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Our easy process makes it easy
to get a home loan
Wide choice
of banks
We work with many of NZ’s
banks and lenders
KiwiSaver &
mortgage reviews
We can help with KiwiSaver and reviewing
your existing mortgage.
Free Advice
For buying a house, investing, using your KiwiSaver, refinancing, saving money
and more, we have plenty of free advice.
What to do if the bank rejects or declines your home loan application?
It is not uncommon to be declined by a bank for a home loan application. Have you been told you’ve been decl...
Managing the Cost of Life Insurance Premium Payments
Life insurance is essential. While it can never replace you when you pass away, you know that your death won&#...
What are second tier or non bank lenders?
Second tier lenders play an amazingly important part of our financial system here in New Zealand and many peop...
7 Qualities and Personality Traits to Look for in a Bookkeeper
Entrepreneurs often start by wearing many hats. But as the business grows, it becomes harder to keep up with t...
What To Do When a Bank Says No To Your Mortgage Application?
You may be a point in your life when you are dreaming of getting your own home or maybe moving into a newer, b...
How Can a Mortgage Broker Help You?
Often undervalued or sometimes completely overlooked, a mortgage broker is someone whose importance while inve...
Should I Opt for a Mortgage Broker or a Bank?
The question of whether to opt for a mortgage broker or a bank while taking out a mortgage on a prospective ho...
Looking for a New Home? Steps in Creating Your Wish List
During the COVID-19 lockdown period, many New Zealanders had an opportunity to spend time at home. Perhaps, th...
How to stop a mortgagee sale
Need help paying your mortgage? Is your mortgage in arrears? Are you having difficulties with your home loan...
5 Reasons You Should Have Life Insurance
Sometimes hyped, often overlooked, life insurance is something people are often ambiguous about – be ...
Insurance Can Help Pay for Your Child’s Education
College, as well as private schooling fees, are rapidly hiking, as are all the other aspects related to educat...
Small Businesses Need Life Insurance for Patrons; Here’s Why
Small businesses have lately been on the rise, the economy proving suitable enough to nurture a market where t...
A Life Insurance Can Come in Handy in a Number of Ways; These Are Some of Those
Life insurance, while devised mainly as a means of ensuring financial security for one’s kin upon the event ...
Why you need life insurance
Life insurance is often underrated: a tool that can help keep your family secure and meet their critical needs...
How to File Private Medical Care Claims
In New Zealand, we’re lucky to have a nationwide public health system providing reliable medical care se...
Are You Afraid of Your Doctor? Medical Insurance Can Alleviate Your Fears
Going to the doctor, for however minor an ailment, can prove to be quite a nerve-wracking experience for many....
All About Key Person Cover
Key Person Cover is a vital type of business insurance if you rely on only one or two employees to handle sign...
Why It Pays to Invest in Vehicle Insurance
Your car means so much to you and your family. It gives you the freedom to come and go as you please. It let...
Home Insurance 101: Understanding the Basics
Your home is so much more than the sum of its parts. It represents the very life of your family. Having proper...
How Legal Experts Can Help You Avoid Shareholders Disputes
Few people partner in a company with the suspicions that they would end up in a dispute with their fellow part...
A Mortgage Broker Spoils You For Choice, And That Will Work Well For You
Perhaps the best thing about hiring a mortgage broker is the fact that, besides getting you the best rates, th...
Why Buying ‘Off-the-Plan’ is Advisable
Buying off-the-plan mainly involves buying or reserving a property before it is constructed, and is in its pla...
Here’s A Smarter Way to Handle Your Business’ Finances
What’s the one thing that most entrepreneurs like, yet it makes them so inefficient? If you’ve said doing ...
Attention Entrepreneurs: Ignoring Shareholder Disputes Can Kill Your Business
When a couple has just married, it seems ironic to start planning for a divorce. Even for couples that have be...
What is an Interest-Only Mortgage?
An interest-only mortgage, as may be evident from the name, is a type of mortgage wherein the borrower is requ...
Why It’s Awesome to Live in an Apartment
Most people cannot decide if they should get a house or live in an apartment. Should they buy or rent? ...
5 Reasons to Buy a Pre-Sold Apartment
For an aspiring home buyer, investing in a pre-sold apartment can be one of the wisest decisions to make. That...
Tips to Attract and Retain Top of the Cream Tenants for Your Rentals
The COVID-19 crisis has had a mix of effects in New Zealand’s economy. Whereas some sectors like travel and ...
How Apartments Could Add Value to Your Property Portfolio
Many property owners struggle in deciding between buying a house and buying an apartment. While both hold con...
Tips for Hiring a Tax Advisor for Your Firm
According to George Atalla, EY’s Global Government & Public Sector Leader, young entrepreneurs are wil...
Ways to Keep Business Running Successfully Post COVID-19 Lockdown
COVID-19 has been a shocker for the business community. Many business owners struggled and continue to struggl...
How Getting a Medical Insurance Can Alleviate Your Fears of the Doctor
Going to the doctor can be a quite nerve-wracking experience, even if it’s just a minor ailment. Many ar...
Business Recovery: Actions for Entrepreneurs to Mitigate the Effects of COVID-19
Although no crisis is new, COVID-19 is exceptional by any standard. It has had an unprecedented impact on the ...
Attention Entrepreneurs: Why You Need a Tax Professional in Your Corner
From saving millions to avoiding unnecessary rush during tax season, businesses have several reasons to reach ...
Why Serviced Apartments are Great Rental Investments
Serviced apartments are those that come with hotel-like benefits. They provide facilities for the residents w...
Migrating to New Zealand? Here’s Why You Should Reach out to a Tax Lawyer
Moving to New Zealand, whether permanently or temporary, is a great move. There are plenty of opportunities an...
Business Taxes: IRD Red Flags in Your Business and How to Fix them
From time to time the IRD picks out some firms (or individuals) to audit their taxes. Many entrepreneurs don...
What if You Get Audited by the IRD?
The words tax audit can strike terror at the heart of many business people. Yet it’s not an unusual practice...
What is the best bank for a home loan in New Zealand?
Want to know what is the best bank for a home loan in New Zealand? This is a great question....
How to buy a second house like an experienced property investor
Interest rates being at historic lows at the moment are egging more people on to invest in property. That is w...
Attention Small Business Owners: Guide to Help in Managing Your Finances
Proper financial management is at the core of the survival and success of any business. If you lose focus on f...
How Small Business Owners Can Overcome Cash Flow Challenges During COVID-19
The COVID-19 triggered economic crisis is fast evolving and impacting businesses differently. Small business o...
The Post COVID-19 Home Buying Guide
Whether it’s an investment property or owner-occupied home, deciding which home to buy post-COVID-19 can be ...
Looking for Houses on Sale in New Zealand? What’s Better, House or Apartment?
Shifting shift from a renter to a homeowner is a big move that will affect your lifestyle and finances. It’s...
First Home Buyer? Tips for a Stress-free Climb Through the Property Ladder
Buying your first home is exciting. But it can also be daunting, especially for a first home buyer. Without th...
Venturing into Property Sales? Here’s a 5-Part Recipe on How to Land the Best Deals
After a grueling four-weeks long level-4 lockdown, New Zealand’s real estate practitioners can now say, the ...
Real Estate After COVID-19: How the Market May Recover
As New Zealand goes through a gradual reawakening following the lockdown, the main focus is on managing health...
Houses for Sale in New Zealand: Crucial Tactics for Making Smart Deals
Of the thousands of aspiring homeowners in New Zealand, few are willing to take bold steps and close lucrative...
Special Interest Rates & Low Deposits – Like Oil & Water
Special low interest rates and low deposits on home loans So you’ve seen that flash hot interest rate so...
Deliberating Over COVID-19’s Regional Impact on Real Estate
Following the de-escalation of COVID-19 alert level, many people expect real estate to pick up. However, ther...
COVID-19 and the Property Market: Why You Shouldn’t Shelve Plans to Own a Home
On April 27th, 2020, we shifted from a level-4 COVID-19 lockdown and many people breathed a sigh of relief. It...
It’s Easy To Get A Loan
For some time now, Just Mortgages has been surprising customers with just how easy it is we make it to buy a h...
How to order a valuation
Wondering where to get a property valuation or who to order it from? When buying a property, or looking to ref...
How do you order a property valuation?
You would need to understand what type of valuation is required. It is important to check what type of valuati...
How to lower your credit card limit
When you have a credit card, a bank or finance provider can sometimes encourage you with a temptingly high cre...
What to prepare when applying for a mortgage?
When applying for a home loan, a mortgage broker, financial adviser, the bank, etc. would normal...
Can you get a mortgage or home loan with bad credit?
“Bad credit” can represent a cloud of different issues, or it could just simply represent one issue....
Do you need a family budget?
If your family is wanting to buy their first home, get ahead financially, reduce debts or even save for retire...
How to get a loan for renovations?
Want to get a loan for renovations? Many people want to understand how they can borrow money to renovate their...
What does an underwritten insurance policy do
In New Zealand, there are many different places, websites, companies and organisations to obtain life insuranc...
New houses are eligible for 10% deposits in cases where older or existing houses aren’t
Summary: Banks are turning away purchasers who have less than a 20% deposit; however, if you buy a property t...
Can you buy a house on a single income?
Want to buy a house on one income? Wondering if it is possible to get a house on one income?...
Can you save money by changing insurers?
To save money on insurance, many people consider the idea of providers, to see if that can save money....
Which is the best life insurance in New Zealand?
Want to buy life insurance, or know who is the best provider in New Zealand?...
How to apply for a personal loan?
Applying for a personal loan can be easy. The money can be used for things like; cars, certain bills, holidays...
How to apply to use Kiwisaver towards your first house?
Many people want to apply to use their KiwiSaver towards their first house deposit....
Are rental prices going to increase?
This is a question we get asked frequently and typically we don’t have who you would expect asking it...
How to improve your credit score
Your credit score or credit rating often affects how banks, lenders and other institutions want to give you cr...
How To Apply For The KiwiSaver Home Start Grant
The HomeStart Grant can be a great way to get more money towards the purchase of your first home. ...
Cheap insurance policies? Be careful
Buying cheap insurance is often one of the biggest mistakes when looking to arrange an insurance plan for your...
How much deposit do you need to buy a house?
The amount of money needed to form a deposit for a house can vary. Many people also wonder if the amount of mo...
How to order a valuation for a property or home loan & how much does a valuation cost?
When you buy a house or property, chances are the bank or lender will require you to get a registered valuatio...
Your Basic Mortgage Guide
In order to buy a house, most people need to get a home loan. A home loan can help you purchase residential pr...
Client Testimonials
Our results speak for themselves. Our happy customers tell us they love our great service!
We were waiting for the answer, and Arthur said, yes! We were very happy. Everything went smoothly! It’s a dream come true.
UiliAuckland
So happy to have this approval. Originally from other places I could not get an approval. What you said you delivered & gave us. We are so happy to have a house. Thank you!
RameshHamilton
