Your Mortgage, done right the first time.
Making mortgages & loans simple.
Whether it is fixing rates on your current lending, changing banks, buying your first home, buying an investment property or laying out goals for your future, Our specialty is making sure we get a solution to fit your needs. Getting a mortgage approval is part of the journey but understanding the process and making sure it fits your needs and goals is now more important than ever.
Our Mortgage Services
Whether it is fixing rates on your current lending, changing banks, buying your first home, buying an investment property or laying out goals for your future, Our specialty is making sure we get a solution to fit your needs. Getting a mortgage approval is part of the journey but understanding the process and making sure it fits your needs and goals is now more important than ever.
Try our lending calculators
Explore our practical online mortgage and investment calculators for straightforward financial insights. Our tools are designed to simplify complex calculations, offering a pragmatic approach to understanding mortgage payments and potential investment returns. Whether you’re considering a home purchase or evaluating investment strategies, these calculators provide a no-nonsense, user-friendly experience. Take the guesswork out of financial planning and gain a clear understanding of your financial scenarios with our efficient online calculators.
Latest articles & news
Guardian Smith are always keeping tabs on what is going on in the market and how the interest rates are moving. Checkout some of our tips and articles we have on our articles page
Frequently asked questions.
We want you to get the best answers to your questions about property financing, so that you can communicate easily with lenders and mortgage brokers. Our answers are neutral, because we’re not trying to sell you something. By sticking to the facts, we help you to make up your own mind about what to do next.
Guardian Smith Is a Group of Mortgage Advisers that service all your mortgage needs nationwide. All our advisers are qualified and accredited with major banks across New Zealand to ensure that when we engage we have the full variety of lending options available to you.
We will sit down with you, discuss your options, goals and future to make sure you get the right lender and products for your home loan. It is an educational process and our experience ensures that you will be getting quality financial advice based on your individual financial scenario.
Change is constant, so every now and then you should review your mortgage arrangements to see if there’s a better deal going. It might mean changing lenders or restructuring your loan with your existing lender.
This is called a refinance. It can be a good option to consider moving your mortgage to a different bank. The key is having one of our advisers sit down, work out what you are trying to achieve and check what is available in the market that you may not be getting with your current bank. Sometimes it is not a good idea to move your mortgage but a review every few years is a good idea to check and ensure you are with the correct one.
No. We provide you with information about mortgages and your potential ability to afford one. We do not arrange your loan or provide you with financial advice about what lender to use, how to structure a loan to meet your specific needs or the risks of borrowing the amount you want to. However, we can link you to a professional mortgage adviser who can help with those things.
A good mortgage broker should know all the lenders, interest rates and fine print. They can help you to identify which mortgage deals will be the most appropriate for you and your circumstances.
Change is constant, so every now and then you should review your mortgage arrangements to see if there’s a better deal going. It might mean changing lenders or restructuring your loan with your existing lender.
Every personal financial scenario is different. Sounds cliche, but there are so many different options when it comes to loan products, repayment types and cycles that we really want to tailor your mortgage to suit you and your goals. We can help you pay off your mortgage faster, though it’s crucial we review your financial position so we have a clear understanding.
over 30 Years Experience in Mortgages, Finance and more
Why Choose Guardian Smith
We pride ourselves on bringing clients high quality service. Clear and Concise communication. It’s our job to unwrap the jargon that exists in the financial services industry and educate you right through the process of home ownership from start to finish. Using Guardian Advisers gives you a great advantage. We value efficiency and understand that it can be a daunting procedure to get every aspect of your finances sorted. So you will be able to take advantage of our network so every base is covered. We help you with the financial advice and getting your mortgage sorted but also have great people we can refer you to like, Lawyers, Accountants, Kiwisaver providers, Insurance advisers and various other people and businesses that you can trust to help you through the process.
Who we work with
We have access to a large panel of banks and lenders, this means we can work out which one is going to suit your needs best and make sure you get placed with the right one from the beginning.
What our customers say
We have access to a large panel of banks and lenders, this means we can work out which one is going to suit your needs best and make sure you get placed with the right one from the beginning.
