Your bank knows you, and it can feel easy to just pop in and ask for a loan. But here’s the thing — they can only offer their own loan products.

So if they say no, or their rates aren’t the best, you’re back to square one.

Pros:

• You already bank with them

• Everything stays in one place

Cons:

- Limited to one bank’s options

- No help comparing other offers

- May be stricter with low deposits

A mortgage broker is like a personal shopper for home loans. We compare options from different banks and lenders to find one that suits you — not just what suits the bank.

Best of all? It doesn’t cost you anything. We’re usually paid by the lender once your loan is sorted.

Pros:

• More lenders = more choice

• Help with low deposit options (like 5%)

• Expert advice at no cost

• Less stress — we handle the paperwork!

Cons

- You’ll get more info (which is a good thing!

- Some complex situations may take extra time — but we guide you through it

If you’re a first-home buyer in Invercargill — especially if you’ve got a smaller deposit or want to explore more than just one option — a mortgage broker is a great place to start.

We can:

• Help you access 5% deposit loans (through Kāinga Ora lenders)

• Compare offers from multiple banks

• Explain your options clearly (no jargon!)

I’m based right here in Southland and work with first-home buyers every week. Whether you’re just starting out or already have a house in mind, I can help make the process easier — and give you confidence in your choices.

Let’s have a quick chat — no pressure, no cost. Just good advice.