Refinancing your mortgage above 80% LVR (Loan-to-Value Ratio) is possible. For many homeowners, it can lead to significant interest savings and better mortgage terms. Every dollar saved in interest can go directly toward reducing your mortgage balance and bringing you one step closer to becoming mortgage-free.
At Smartmortgages.co.nz Limited, community has always been at the heart of what we do. From the very beginning, when I launched this company, my vision wasn’t just about helping Kiwis achieve their home ownership dreams, it was also about giving back and standing alongside the communities we serve.
11 September, 2025 will forever be a special date for sisters Maria and Liduvina: the day they turned their long-held dream of owning a first home in New Zealand into reality.
At Smartmortgages.co.nz Limited, we take pride in helping our clients achieve better outcomes with their lending. Recently, we assisted Alwyn Jones with refinancing his investment properties. During the process, one of his loans qualified for a lender package that covered the legal transfer costs: saving him from paying solicitor fees for that portion of the refinance.
Congratulations on your pre-approval! Securing pre-approval from the bank is an important milestone in your home-buying journey. It means you are one step closer to owning your new home. But what comes next? Here is a clear, step-by-step guide to help you navigate the process with confidence.
Buying your first home is an exciting yet complex journey. With so many steps involved, it’s easy to feel overwhelmed.
Many First Home Buyers have asked me why they need to save up 20% deposit when others can get a mortgage approved with just 5% or 10% only. Here’s why having a 20% deposit is a game-changer:
Buying a new home while selling your current one can be a daunting process. Do you sell first and then buy, or secure your next home before letting go of the current one? Each approach has its pros and cons, and the right choice depends on your financial situation, risk tolerance, and market conditions. Here are three options to consider when upgrading your property:
If you're buying or selling a home in New Zealand, understanding a registered valuation is important.
This past Sunday, the Smartmortgages.co.nz Limited team — joined by our wonderful clients and our energetic mascot, Simba — laced up our sneakers for the Pink Ribbon Walk 2025 at Auckland Domain.
Smartmortgages.co.nz Limited (FSP1007290) holds a licence issued by the Financial Markets Authority to provide financial advice. Click here for more info about our Disclosure.
Cong.Nguyen@smartmortgages.co.nz
0223985140
Monday - Saturday (9 am - 9 pm)
44 William Wallbank Crescent, Swanson, Auckland 0614
Apply
Contact
