Whether you’re new to property or a seasoned investor, the property market is always changing. That’s why you need experts who understand it inside and out.
Your lending specialists
From helping you build your deposit and understanding your borrowing power, to finding the right property and securing the best loan - right through to settlement.
We help investors understand their cashflow and rental yields, find the right properties, and secure the best funding - guiding them through every step of the investment journey.
We help both new and experienced commercial investors secure lending for their first or next commercial property purchase, with expert guidance every step of the way.
We help property investors review their portfolios to identify opportunities for restructuring or refinancing - saving interest, improving cashflow, or unlocking further lending potential.
Here are the benefits of working with a Mortgage Adviser instead of going directly to the bank.
You only need to complete one application form with us and we can approach multiple banks on your behalf.
We handle the negotiations to get you the best rates and terms, taking the stress out of the process.
We’ll keep you informed throughout the approval and settlement process, ensuring everything runs smoothly from start to finish.
Mortgage advisers are paid by the banks after securing your mortgage, which means you don’t have to pay anything in most situations.
You fill out the form below to get some help with your mortgage needs
30 Minutes
You'll meet with your dedicated Mortgage Adviser and have with a chat to understand your situation and what kind of lending you require.
2 Weeks
Our property team can help you find the right property for your needs
1 Day
Once you've completed your due diligence on the property, we'll guide you through the process of going unconditional, which includes paying the deposit for the property.
Instant
You'll be sent a link which will ask you to fill in some details about your situation so we can help you faster
1 Week
Once we submit your application, we will obtain a pre-approval for you so you can shop around with confidence
10 Days
Once you’ve chosen a property, you'll put in a conditional offer on the property, during this conditional phase, we'll pair you with our specialist property lawyers to help with the due diligence process
When Scheduled
We'll help you through the settlement process by ensuring you have the right interest rate and structure for your loan
Our prices
Have a question? You’ll find answers to some of the most common things our clients ask us. If you need more detail, we’re always happy to chat.
We are paid by the lenders so there is no costing with working with us (most of the time). If there is any occasion where we do need to charge a fee, you will be told upfront so you can decide on if you want to proceed or not.
Once you book in your first meeting with one of our mortgage advisers, we'll send you a fact find to complete. This saves about 20 minutes in our meeting. You'll also tell us your goals and send us any documents required - we'll let you know what we need from you (also saving you time in the long run). We're going to use that meeting to see if there's anything the banks might pick up on before we send in your application.
Your mortgage adviser will run your numbers through our calculators. This is to see which bank is right for you. Once we've agreed on a lender, we will submit your mortgage application. Some banks are slow. It can take up to 10 days to get your application approved (sometimes even longer). There can be a bit of back and forth but we're here every step of the way.
Of course you can go to the bank directly, however they can only advise on their products. Bankers are also not registered financial advisers and can't help you make changes to your situation to help you borrow more.
We have relationships with many bank and non bank lenders, this means we can get the right solution for the right situation.
Mortgages
We provided a number of useful calculators and resources to give you as much insight and knowledge possible.
Calculators
An interest only mortgage calculator that shows you what your interest only mortgage repayments would be when using an interest only loan for your investment property.
Calculators
An interest only mortgage calculator that shows you what your interest only mortgage repayments would be when using an interest only loan for your investment property.
Mortgage Services
We use our expertise to guide the way to wealth and prosperity through business, investing and property
From day one, our focus has been on helping Kiwis feel confident about their money — and with 200+ five-star reviews, we’re proud to be doing just that.
"We recently needed to remortgage our rental portfolio and chose to work with the team at Lighthouse Financial Services. It turned out to be a fantastic decision! From the very start, they were professional, supportive, and made the entire process so much easier for us."
"We recently needed to remortgage our rental portfolio and chose to work with the team at Lighthouse Financial Services. It turned out to be a fantastic decision! From the very start, they were professional, supportive, and made the entire process so much easier for us."
"We could not recommend the team more highly. Navigating the process of purchasing a first home is filled with questions and unknowns so having support from these two was fantastic. They were responsive, clear, approachable, worked to understand what we needed and had it all covered."
"We could not recommend the team more highly. Navigating the process of purchasing a first home is filled with questions and unknowns so having support from these two was fantastic. They were responsive, clear, approachable, worked to understand what we needed and had it all covered."
"Lighthouse were very quick and easy to work with. The staff had great communication and processed my tax return within a few days. I recommend their service."
"Lighthouse were very quick and easy to work with. The staff had great communication and processed my tax return within a few days. I recommend their service."
"I've been working with James from Lighthouse for the last 2 years. James has been working with me to help me define and maintain my financial goals and manage my investments. James is extremely easy to deal with and explains things in a very simple and easy to understand way. "
"I've been working with James from Lighthouse for the last 2 years. James has been working with me to help me define and maintain my financial goals and manage my investments. James is extremely easy to deal with and explains things in a very simple and easy to understand way. "
"Great experience working with Jess and the Lighthouse team. Jess was extremely diligent and had continued great communication throughout. We feel extremely confident moving forward with Jess guiding us through our financial goals."
"Great experience working with Jess and the Lighthouse team. Jess was extremely diligent and had continued great communication throughout. We feel extremely confident moving forward with Jess guiding us through our financial goals."
"We have just brought our 2nd investment property with the help of Vinny & Laura. Their communication is clear, concise and timely and they’re so easy to work with. I look forward to building our property portfolio with them alongside us."
"We have just brought our 2nd investment property with the help of Vinny & Laura. Their communication is clear, concise and timely and they’re so easy to work with. I look forward to building our property portfolio with them alongside us."
"Lighthouse financial were super awesome in helping our family buy our first home. Laura and Vinny were always prompt and professional with their support. Highly recommend lighthouse and more specifically Laura and Vinny for all your mortgage related needs."
"Lighthouse financial were super awesome in helping our family buy our first home. Laura and Vinny were always prompt and professional with their support. Highly recommend lighthouse and more specifically Laura and Vinny for all your mortgage related needs."
"I’ve had an excellent experience with James and the team at Lighthouse. Their financial advisory services have improved my financial literacy through one-on-one meetings, webinars, and podcasts."
"I’ve had an excellent experience with James and the team at Lighthouse. Their financial advisory services have improved my financial literacy through one-on-one meetings, webinars, and podcasts."
"I would encourage anyone looking to sort your financial planning and investing to check these guys out , and also the mortgage brokers team who bent over backwards for my situation to get me across the line! They keep you in the loop of the progress and suggest options along the way to take advantage of any situation presented. "
"I would encourage anyone looking to sort your financial planning and investing to check these guys out , and also the mortgage brokers team who bent over backwards for my situation to get me across the line! They keep you in the loop of the progress and suggest options along the way to take advantage of any situation presented. "
"They guided me in securing health, life, and income insurance, and helped me get my Will sorted. I really appreciate their expertise and genuine commitment to their clients. I highly recommend their services - I even referred my dad to them."
"They guided me in securing health, life, and income insurance, and helped me get my Will sorted. I really appreciate their expertise and genuine commitment to their clients. I highly recommend their services - I even referred my dad to them."
1. A Lighthouse team member will reach out to see which of our Mortgage, Property, Wealth, or Accounting services best suits your needs.
2. You’ll be matched with a specialist who best understands your situation.
3. With their guidance, you’ll take the next steps toward securing the right financial solution for you.
