General FAQs
How much deposit do I need for a home loan?
Most lenders will require at least a 20% deposit. However, there are options for first home buyers with smaller deposits, especially when KiwiSaver or government grants are used. Counties Home Loans can help you understand what’s possible.
How long does the mortgage process take?
From application to approval, most home loans take 2–4 weeks, depending on your situation. Pre-approval can be arranged faster, giving you confidence when making offers on properties.
Why should I use a mortgage adviser instead of going directly to the bank?
A mortgage broker like Counties Home Loans provides access to multiple lenders, not just one bank. This gives you more options, better rates, and advice on structuring your loan to suit your lifestyle and goals.
What costs should I expect beyond the deposit?
You’ll need to budget for legal fees, valuations, LIM reports, and possibly a building inspection. We’ll walk you through these costs upfront so there are no surprises.
First Home & New Loan FAQs
What do I need for my first mortgage?
You’ll usually need a deposit (often boosted by KiwiSaver or grants), proof of income, and a good understanding of your budget. We’ll guide you through what’s required.
Can I use KiwiSaver for my first home loan?
Yes. Most first home buyers can use their KiwiSaver savings — and sometimes a First Home Grant — to put towards a deposit. We’ll explain exactly how it works.
Why should I use a mortgage broker?
Working with Counties Home Loans means you get personalised advice, access to multiple lenders nationwide, and ongoing support throughout your journey. We see you as a person, not paperwork — and we make the process easy.
Refinancing & Refixing FAQs
When should I consider refinancing my mortgage?
You should consider refinancing if your fixed term is ending, if you want to consolidate debt, or if you’re looking for a more flexible loan structure. Even small interest rate savings can make a big difference over time.
Will refinancing cost me money?
Sometimes there are break fees or legal costs, but these are often outweighed by the long-term savings. We’ll help you calculate whether refinancing makes financial sense for you.
Can refinancing help me unlock equity?
Yes. Many homeowners refinance to release equity for renovations, investment property purchases, or lifestyle changes. We’ll structure your loan so it supports your goals.
Property Investment FAQs
How much deposit do I need for an investment property?
Typically, lenders require a 35–40% deposit for investment properties. However, your equity in your existing home can often be used towards this.
Can I use the equity in my home to buy an investment property?
Yes. Many New Zealand investors use the equity in their family home to fund additional property purchases. We’ll show you how to do this safely and effectively.
How does Counties Home Loans support investors?
We go beyond interest rates. Our advisers help you structure loans to minimise risk, optimise tax efficiency, and set you up for long-term success in property investment.