Home Loan top ups

There are many reasons why you may wish to top up your home loan. You may wish to consolidate your personal debt into a home loan, complete some renovations, upgrade your car, buy a caravan, or something else. Whatever it is, Mortgage Field can help.

Regardless of the amount you wish to borrow, we are more than happy to assist. Why not get in touch today? 

Home Loan Top Up Affordability 

When applying for a new home loan top up, whether this be through Mortgage Field or your bank (regardless of how long you have been with them) you must show you can afford to repay it. Every bank has their own way of working this out. 

This is where we can help. Mortgage Field has access to the tools required to work out home loan top up affordability to satisfy the banks and/or lenders.

There are three simple ways for us to proceed: 

  • Complete this short form where you enter basic information for us to test affordability.

  • Ask us to email our online loan application.

How Home Loan Top Ups Work


How home loan top ups work can depend on your bank or chosen mortgage broker in Southland or further afield. 

The general principal of it is, though, that you borrow money on top of your home loan by using your home's equity. 

You can consolidate your existing home loan, or take out an additional loan. How much you borrow can also depend on many things, such as: 

  • What you will be using your home loan top up for 
  • How much of your home loan you have already paid off 
  • Whether you can afford your home loan repayments with the home loan top up applied 
  • Your home value
  • Your loan-to-value (LVR) ratio

Has Your Bank Said NO or NOT NOW?

If your own bank has said no or have said to come back, then contact us for a chat. 

Let us get to the bottom of it. We don't want to move you from your bank unnecessarily. If, however, we have exhausted all avenues then we have a field of banks/lenders available to find another option. Our goal is to secure a home loan top up in NZ that works with your budget and finances.