Get The Best Mortgage For You
A great mortgage isn’t just about the best rate - it's about where you are in your life, the property itself and how we can save you money with smart mortgage structures. Whether a first-time buyer or refinancing to extend your portfolio the Pope & Co. team will work with you to understand your needs and make sure you really get the best mortgage on offer.
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Trading Up to a New House & Bridging Finance
Trading Up to a New House & Bridging Finance
Buying a new home when you already own one is a tricky business. Whether you decide to sell your home first, or buy your new home before you sell, there are pros and cons to consider for each option.
Debt Consolidation / Mortgage Arrears / Top Ups
Debt Consolidation / Mortgage Arrears / Top Ups
Need to consolidate some debt, clear some mortgage arrears or top up for home improvements? We can help with free advice no matter what your situation.
Non-NZ Resident Loans
Non-NZ Resident Loans
If you are looking at immigrating to New Zealand or you are a non-resident we can help you every step of the way to obtain a New Zealand mortgage (home loan). Current bank lending policies make it difficult to obtain funding with less than 20% deposit, so please contact us.
Mortgage Reduction Plans
Mortgage Reduction Plans
As part of our day-to-day service can provide you with a tailored mortgage reduction plan to get you mortgage free quicker. We delve a bit deeper into your financial situation to identify the best way to save thousands in interest.
New Build / Construction Loan
New Build / Construction Loan
Doing a new build or construction loan can be a great option for a dream home or property investment with deposit options ranging from 5%. There may also be additional Housing NZ HomeStart subsidy options available.
Refinancing & Re-Fixing Rates
Refinancing & Re-Fixing Rates
Whatever your refinancing needs we can help quickly. Perhaps you want help to negotiate rates with your bank or need to formally test the market and look at fresh options? We can also analyse the feasibility of breaking a fixed rate.
Self-Employed Solutions
Self-Employed Solutions
If you are self-employed it can sometimes be difficult getting a mortgage. This can be because your financials are not up to date, you are a new business, you have a complex structure or the bank or banking consultant doesn’t understand your needs. So proving income can be tricky, even if you have been in business for more than a year.
Bad Credit & Non-Conforming
Bad Credit & Non-Conforming
Need a mortgage but having trouble with getting approved because of bad credit or adverse credit history? Worried that your situation is a bit outside the box? Don’t be as we may have a solution to help!
Vehicle / Business / Commercial Finance
Vehicle / Business / Commercial Finance
If you are looking to buy a car, business or commercial property we can help! We have access to sharp vehicle finance rates and can also guide you through the process of buying a commercial property.
Mortgage Types
Mortgage Types
There are many types of mortgages to consider, whether you are a first-home buyer or next-home buyer. For instance you may be wondering whether you should fix or float, get a revolving credit facility, get interest only and so on. Pope & Co are here to help you understand your options and choose the best solution for your individual circumstances.
Don't just take our word for it
Meet some people Pope & Co. have helped: