Find a Mortgage Broker on the Kapiti Coast
Get the money you need to buy your dream home on the Kapiti Coast with help from a local mortgage broker.
Updated 22 August 2024
- Mortgage brokers hunt the home loan market to find you a good deal, as well as save a lot of time on form-filling. They can advise you on everything you need to know about taking out a mortgage and the house-buying process, as well as KiwiSaver withdrawals and grants if you qualify.
- A Bank may have told you NO, but a mortgage broker has the contacts to very often turn that into a YES.
- Mortgage brokers know the key details about each lenders' criteria, and can recommend the right lenders for your situation.
- The most important thing is to find a mortgage broker you're comfortable with. Dozens are working all over the Kapiti Coast, and we've created this guide to help you navigate arranging a home loan.
- Remember: Real estate agents you meet at open homes will probably recommend brokers. Many have existing relationships and get a commission for any business you give to their recommended mortgage broker. You don't need to engage them - you have full control of who you choose.
Our Kapiti Coast Mortgage Broker guide covers:
Know This First: The Process of Working with a Mortgage Broker
- Once you've decided to contact a mortgage broker, you will have an initial assessment. This is a meeting where you share details about your financial position and what you want to achieve.
- After that, the mortgage broker will provide a comparison of the best-suited home loans you qualify for - this often means they will create a shortlist of the home loans most relevant to you.
- Once you've considered the home loans, you will decide on one and make an application. The mortgage broker does this on your behalf; you'll need to provide the information they ask.
- Once the application is submitted, the lender (i.e. bank) will come back with their decision - it will, in most cases, be an approval or decline.
Useful Tools to Help Plan a Mortgage
How Much Does a Mortgage Broker Cost?​
- There are no upfront costs or service fees. Mortgage brokers make their money from commissions paid to them by the banks.
- You won't necessarily pay more for your mortgage either. Mortgage brokers work the same as travel agents who earn commissions from airlines and hotels etc.
- It is up to you to decide which bank and mortgage deal you want - the mortgage broker will be paid by the lender you pick.
- Industry insiders suggest this can be as high as 1% of your loan amount; your broker could earn $5,000 from a $500,000 mortgage. But the law states that mortgage brokers are not required to disclose commission payments.
What should I ask a mortgage broker to make sure I get the best deal and service?
As individual mortgage broker expertise and access to deals will vary around the Kapiti Coast, you can get comfortable by asking two essential questions:
- How many lenders do you work with? The more lenders (i.e. banks) the broker has a relationship with, the higher the chances you'll get the best deal. A good answer is at least five banks, but the more they cover, the better for you.
- What are your fees and commissions? You can ask that, even if they are not legally obliged to tell you. If they do, it will probably create trust and help you understand a little bit more about how mortgage brokerage works.
Kapiti Coast Mortgage Brokers - 5 Things to Know Upfront
- Mortgage brokers may not work with every bank, so it's important to ask upfront what lenders won't be included so it's clear what you are comparing.
- Cross-selling is being reported; this involves you being recommended insurance policies by a mortgage broker or one of their associates. As insurance is very lucrative; there may be a lot of pressure to buy. You are under no obligation to and our guides to life insurance, contents insurance, home insurance and income protection insurance outline what you need to know.
- You may also be recommended conveyancing services by a related law firm. You are under no obligation to hire the lawyers suggested by your mortgage broker.
- If a real estate agent is insisting you use their recommended mortgage broker, you don't have to. You don't even need to use a mortgage broker at all.
- Many banks promote mortgage deals with free holidays, cashback and various other perks if you go with them direct. If you go with a mortgage broker, you won't receive these perks.
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Trusted Kapiti Coast Mortgage Brokers Available Right Now
Our list below, covers the Kapiti Coast. We have selected these based on their history of longstanding service within the Kapiti Coast, location and data extracted from internet reviews on Google Business, Facebook, TradeMe Services, specific mortgage forums and guides, and other sources.
Beyond standard mortgage clients, the mortgage brokers below all have experience with non-standard and 'complicated' client requests. This can include single-income, self-employed and foreign income situations.
Know this: It's important to remember you don't need to go with the first broker you talk to. More importantly, you’re in no way obliged to go with the mortgage broker a real estate agent recommends, even if you buy your home with them.
Beyond standard mortgage clients, the mortgage brokers below all have experience with non-standard and 'complicated' client requests. This can include single-income, self-employed and foreign income situations.
Know this: It's important to remember you don't need to go with the first broker you talk to. More importantly, you’re in no way obliged to go with the mortgage broker a real estate agent recommends, even if you buy your home with them.
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Craig Pope Financial - Mortgage Broker Kapiti CoastCraig is a well-established mortgage broker on the Kapiti Coast with extensive experience helping clients secure mortgages. He is known for his straightforward approach and for providing clear guidance through the mortgage process.
What customers like:
Services include but are not limited to:
Google Rating: 5/5 Address: 18 Seaview Road, Paraparaumu Beach, Paraparaumu 5032 Website: Craig Pope Financial Contact Number: 027 547 6739 |
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Kapiti Mortgages & Insurance LimitedEstablished in 2006, Kapiti Mortgages & Insurance boasts a trusted team with over 50 years of combined industry experience. Known for putting clients first (and recognising that securing a mortgage or insurance can be stressful), the proven track record of satisfied clients means Kapiti Mortgages & Insurance continues to be a popular choice in the area.
What customers like:
Services include but are not limited to:
Google Rating: 5/5 Address: 124 Rimu Road, Paraparaumu 5032 Website: Kapiti Mortgages & Insurance Contact Number: 04 297 0927 |
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Steve Thomson MortgagesSteve Thomson is known for his vast experience in the mortgage industry, with over 25 years of experience offering advice and solutions tailored to the specific needs of Kapiti Coast residents.
What customers like:
Services include but are not limited to:
Google Rating: 5/5 Address: Hulme Way, Raumati Beach, Paraparaumu 5032 Website: Steve Thomson Mortgages Contact Number: 0274 862 328 |
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Zebunisso Alimova (Mike Pero Mortgages)Zebunisso is an experienced mortgage adviser offering dedicated services for clients across the Kapiti Coast. Her background in finance ensures clients receive well-rounded advice and support.
What customers like:
Services include but are not limited to:
Google Rating: 5/5 Address: 46 Main Road, Waikanae 5036 Website: Zebunisso Alimova at Mike Pero Mortgages Contact Number: 027 731 0713 |
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Jorja Woodward - Mortgage Broker Kapiti CoastJorja Woodward specialises in providing tailored mortgage solutions for clients across the Kapiti region. She’s recognised for her personalised and empathetic approach.
What customers like:
Services include but are not limited to:
Google Rating: 5/5 Address: 33 Kapiti Road Paraparaumu, 5032 Website: Jorja Woodward Mortgage Broker Contact Number: 0274 171 748 |
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​Dave Clemens (Mike Pero Mortgages)Dave Clemens is a trusted mortgage adviser with Mike Pero Mortgages, serving the Kapiti Coast. He’s known for simplifying the process for first-time homebuyers and those looking to refinance.
What customers like:
Services include but are not limited to:
Google Rating: 5/5 Address: 61a Elizabeth Street, Waikanae 5036 Website: Mike Pero Mortgages - Dave Clemens Contact Number: 021 404 423 |
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Rustam Nomozov at Mortgage LabRustam Nomozov is part of the Mortgage Lab team, which specialises in assisting clients with diverse financial backgrounds and helping them achieve their property goals on the Kapiti Coast.
What customers like:
Services include but are not limited to:
Google Rating: 5/5 Address: 46 Main Road, Waikanae 5036 Website: Mortgage Lab - Rustam Nomozov Contact Number: 027 731 1307 |
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