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Home Loans

There’s nothing quite like the special feeling of owning your very own home, and we’re here to make sure that process is as straightforward as possible. If you’re a first home buyer, or considering taking out a new home loan, take a look below to see what we can do for you, as well as a little Q&A which might come in handy.

Mortgages made simple.

First Home Buyers

Q: How much of a deposit do I need?
A: Generally the answer is 10% for a first home buyer. However, this does depend on how much you intend to borrow, and on your ability to repay the loan amount.

Upsizers/Renovators

Q: We want to add a room and put on a new deck and need about $100,000: can you help us?
A: Hopefully! Firstly though, this is what we’ll need to take into consideration: What’s the house worth? Will you need consent for the work? How much is owing on your house? And what’s your income?

Working with Home Loans

Q: Our mortgage is coming off a fixed term next month, what would you suggest we do?
A: What we can do is compare interest rates which are currently on offer across all the lenders, to ensure that you’re getting the best available rates.

Investors

Q: We are looking to buy a rental property - can we do it?
A: Quite possibly! Firstly, what’s the current value of your house, and what do you owe?
Also - what is your income? The lenders currently require a 40% deposit on an investment property and this changes often. We will look at all the options for you across all lenders to get you what you need.

Home loans: Things we can do for you

  • Assist first home buyers
  • Handle pre-approval 
  • Review your current interest rates
  • Top up your existing loan
  • Debt consolidation
  • Refinancing an existing loan
  • Looking at a renovation loan

Mark at Murtaghs was recommended to me and it was an instant relief. He made the whole process so seamless and hassle free. He was incredibly easy to deal with and always kept me in the loop and first and foremost he made me feel like I was the most important client he had...
I bet he’s like this with everyone! Great work, great service! Thanks Mark

Kylie McNeil, Cambridge

Easy steps to get you on your way with a mortgage

Let's get together and chat.

Leave the hard work to us. We're here to find you the best loan for you.

We'll help you with the documents.

The deal is done and
we'll always be there for the lifetime of your loan.

What we offer

Home Loans

There aren’t many things more human than wanting to have a place to call home. We can help with that. MORE...

Business Loans

Any business owner knows: you have to spend money to make money. Chat to us about making sure you’ve got the resources your business needs. MORE...

Commercial Property

At Murtaghs, we don’t shy away from the big jobs. When you need to arrange finances for your upcoming project, talk to our client-focused team.  MORE...


Investment Property

It’s no secret that housing is one of the best investments a Kiwi can make - let us help you get on the ladder or expand your portfolio. MORE...