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Owner Occupied Loan

Home Owner Occupied Loan

Do you want a home loan or mortgage for a home you plan to live in? If so, we can help!

Many people use a mortgage broker or professional financial adviser to help them buy their first home. The broker or adviser can advise them on important parts of the puzzle, such as understanding the complex paperwork, recommending which lenders or banks to choose, and ensuring they are looked after throughout the process.

There is also the potential to use your KiwiSaver towards buying your first home. While there are criteria associated with this that determine your ability to use the KiwiSaver, it is a great way to help put together a deposit or down payment for your first home.

We can assist with buying properties throughout New Zealand, including major cities such as Auckland, Hamilton, Tauranga, Christchurch, Wellington, as well as numerous other cities and towns.

Here are some great reasons to use our professional mortgage broker service.

1. Attractive interest rates – We can often negotiate a cheaper interest rate than what you would receive if you went directly to your bank. This can save you thousands of dollars and make your weekly mortgage repayments cheaper.

2. Easy application process – We make it easy to apply for a home loan.

3. Low deposit or limited income help – With our specialist knowledge, we can help you get a home loan through special criteria that the bank may not normally advertise.

4. Assistance if you have been turned away by a bank or another broker – We offer a service for customers that can help those who may have been rejected by a bank or another broker.


  • KiwiSaver withdrawal to buy a home
  • HomeStart Grant From Housing NZ
  • Refinancing
  • Deposits from as little as 5-10%, subject to criteria
  • Guidance on how much you can afford for your first home
  • Help for both employed and self employed / contractors
  • Cash back – for example a $2,000 – $3,000 contribution towards legal fees or furniture (normally with a 20%+ deposit)
  • Assistance finding a guarantor for your home loan and options for how your parents can help out
  • Help understanding deposits, and how the process works
  • Possible help with buying a home if you are not a permanent resident or citizen

Depending on your circumstances the criteria may vary, however get in touch with us if you need a professional mortgage broker to help with your home purchase.

We work with major New Zealand banks and many other lenders

The mortgage broker you will work with is accredited by many NZ lenders and other lenders, including a number of the major banks. They can discuss your options for applying for a home loan with your bank, if possible, or other banks, and who may be the best lender for your current circumstances.

Why use a mortgage broker?

Using a mortgage broker that is skilled and suitably qualified can mean you receive better service and results. They can guide you on your options, provide advice relating to your situation, and try to set things up to your advantage. You can also talk to a broker about special tools to help pay your mortgage off sooner.


Just Financial is a professional financial adviser service and helps you with buying a home, using your KiwiSaver, insurance and more. Ask us to help you with your financial goals.

  • Home loans
  • Using your KiwiSaver
  • Saving money on your mortgage
  • Refinancing or debt consolidation
  • Low interest rates

  • Life insurance
  • Mortgage protection insurance
  • First home buyers
  • Help when the bank says no
  • Construction loans

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 Finance 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.



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Request a Call Back?

Looking to apply for a home loan, refinance, debt consolidation, insurance or KiwiSaver? Contact us for more information

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