We understand navigating home loans in New Zealand can be complex.
Getting a home loan should feel clear, not overwhelming. We help you understand your options, compare lenders, and structure your lending around your life and goals.
From fixed and floating rates to revolving credit and offset mortgages, we help you understand your options and structure your loan in a way that supports your goals.
Whether you’re buying your first home, upsizing, reviewing your existing mortgage, investing in property, or planning a development project, we’re here to guide you every step of the way.
We offer a full range of personal lending solutions.
We offer a full range of personal lending solutions and work with major banks and specialist lenders across New Zealand.
We can help coordinate the moving parts, including KiwiSaver access, solicitor requirements, property valuations, and building inspections. We can also help with lending options for self-employed borrowers, low-deposit buyers, credit-challenged applicants, and people looking to release equity for business purposes.
First Home Buyers
Upsizers
Investment Lending
Refinance
Development Lending
At CIC Financial, we love helping first home buyers. Buying your first home can feel overwhelming, so our aim is to make the process as simple and stress-free as possible. We help you understand each step – from obtaining finance and making an offer to securing insurance and working with the professionals who help get you into your first home.
Using your KiwiSaver or First Home Grant? We can guide you through the process, so your funds are available when you need them.
We work alongside your lawyer and property valuer, or we can introduce you to trusted professionals through our existing relationships. Our goal is to bring the right people together and make the process easier for you.
Because we have relationships with multiple banks and lenders, we can help you source finance that suits your situation, including if you have less than a 20% deposit.
We work with you to help you secure the property you want and start building your wealth. Get in touch to explore your options and take the next step with confidence.
Your situation may have changed since buying your first home, and now it may be time to move into a larger home or a different area. You may also be wondering whether you can keep your existing home as a rental while buying your next property.
We help you understand what may be affordable if you sell and buy, or if you choose to keep your current home. Often, people are limited by what feels comfortable rather than what may be possible, so we help you work through the options clearly.
We can also help you structure your lending with repayment in mind, so your mortgage is set up to support your long-term goals rather than simply following a standard term.
At CIC Financial, these are conversations we regularly help clients navigate, giving you clarity so you can move forward with confidence.
If you have owned your home for some time, you may have built up equity. You may have also heard about “unlocking” that equity and using it to purchase a rental property.
We help you understand what may be possible and, just as importantly, what it could look like from a cash-flow perspective once you factor in additional lending, rates, insurance, and rental income.
Property investment can still be a strong long-term option for many people, but changing regulations mean it is important to understand where you stand and have the right advice around you.
Things to consider from a lending perspective include:
- How much usable equity you have
- How new lending may affect your day-to-day cash flow
- Whether a new build or existing home is the right fit
- Whether you plan to rent, renovate, or sell
- Whether to keep your lending with one bank or work with multiple lenders
Refinancing can be worthwhile in certain situations, whether a new lender is offering a competitive package or a different loan structure could help you repay your mortgage faster.
You may also have started with a second-tier lender because that was the right option at the time and now want to explore whether moving back to a main bank could give you access to better rates or loan features.
At CIC Financial, we can help you understand your options and work out whether changing lenders is right for you.
Whether you are a new or experienced developer, we can help you explore your funding options.
Funding through a main bank is often the most cost-effective option, but larger banks have become more challenging in this space.
We have relationships with specialist lenders who work specifically with developments and can offer a range of options to help you get your project completed.
Development finance involves several considerations, including loan-to-value ratio, loan-to-cost ratio, overall project margin, assumptions used, and your development experience.
At CIC Financial, we can help you navigate these details and present your position clearly to lenders.
Schedule your free 15-minute phone call with one of our specialist advisors.
Book your free 15-minute phone call to see if we can help you with your financial life.
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