Fixed Rate
Your interest rate is locked in for a set period, giving you certainty over repayments and making budgeting easier.
Home loans made simple.
Whether you are buying your first home or moving into your next one, CorePath Financial helps you find the right home loan, understand your options, and move forward with confidence.
The right home loan makes all the difference.
Getting a home loan is about more than finding a low interest rate. The structure of your loan, the conditions attached to it, and the lender you choose all affect how manageable your mortgage will be over time.
We get to know your situation first, then we find the loan, not the other way around. We compare options from a range of lenders and explain what each one means for your repayments, flexibility, and long-term finances.
- Understand what you can borrow
- Compare suitable lender options
- Structure repayments around your goals
- Move through approval with fewer surprises
Buying your first home.
Not sure how much you can borrow or how much deposit you need? We calculate what you can afford and show you what is possible.
We help you understand your loan options, identify support you may be eligible for, and secure pre-approval with lenders who support first home buyers.
From there, we compare rates, structure your mortgage for long-term success, and manage your application from start to settlement.
Moving into your next home.
Upsizing for more space or downsizing to simplify your life both come with their own lending decisions. Timing your purchase, accessing equity from your current property, and structuring your new loan correctly all matter.
We review your existing mortgage, assess your equity position, and compare loan options that fit your next move. Whether you are buying before you sell or need bridging finance, we map out the options and manage the process.
Understand your loan options.
Floating Rate
Your rate moves with the market. More flexibility, including the ability to make extra repayments or pay off your loan early.
Split Loan
A combination of fixed and floating. You get repayment certainty on part of your loan and flexibility on the rest.
Revolving Credit
A flexible facility that works like a large overdraft. Pay in extra funds and redraw when needed. Best suited to disciplined borrowers looking to reduce interest costs over time.
Frequently Asked Questions
Clear answers to the questions clients most often ask before they speak with us.
How much deposit do I need for a home loan?
Most lenders require a minimum deposit of 20 per cent of the property value, though options may exist for buyers with less. We assess your situation and explain what is available.
Can self-employed buyers get a home loan?
Yes. The documentation requirements differ from salaried applicants, but self-employed buyers can access home loans. We help present your income clearly to suitable lenders.
What is the difference between fixed and floating?
A fixed rate locks in your interest rate for a set period, giving you stable repayments. A floating rate moves with the market and offers more flexibility.
Can you help me get pre-approval?
Yes. Whether you are planning early or need to move quickly, we work to get your application ready as efficiently as possible.
Compare options across leading New Zealand lenders.
Ready to find the right home loan?
Speak with an experienced Auckland mortgage broker and find a home loan that works for your budget, your goals, and your future.