We're experts in helping people secure their homes, First mortgages, first homes, owner occupiers, the batch and more
At Guardian Smith, we pride ourselves on being industry leaders with a team of highly qualified specialists dedicated to guiding first home buyers and individuals seeking new mortgages. Our advisers possess a deep understanding of the mortgage landscape in New Zealand, combined with a commitment to providing personalized service that meets each client’s unique needs. With a proven track record of securing mortgage approvals, our team leverages their expertise and the latest financial tools to navigate the complexities of the mortgage process. Whether you are stepping into your first home or looking to finance a new property, our advisers are equipped to ensure a seamless and successful mortgage experience, making your property ownership dreams a reality
How we can help
At Guardian Smith, we go beyond offering financial advice by guiding our clients through the entire mortgage process, from start to finish. Our expertise isn’t just in securing finances; we excel in demystifying the jargon, streamlining paperwork, and ensuring every step is clear and manageable. Understanding that the path to homeownership is a team effort, we’ve cultivated a network of trusted professionals—including lawyers and building inspectors—to support your journey. Our commitment is to make your mortgage process as seamless as possible, embodying high-quality service with timely action. This holistic approach is a testament to our values, aiming not just to meet but exceed your expectations, ensuring a smooth transition into homeownership.
Frequently asked questions.
What types of new home loans are available in New Zealand?
Types of Loans: New Zealand lenders typically offer:
Fixed rate: Locked interest rate for 1 to 5 years, ideal for budgeting.
Floating (variable) rate: Rate fluctuates with the Official Cash Rate generally, offers flexibility and potential for lower repayments if rates fall.
Flexible/Revolving credit: Allows you to maintain access to funds you have paid off your loan.
Offset and redraw: The list goes on. Save interest. Save time doing applications.
Your Best Option: Guardian Smith advisers help you tailor the loan to your needs, balancing rate certainty, repayment flexibility, and offset/redraw features.
What deposit do I need for a new home loan?
Standard Deposit: Usually 20%, meaning LVR ≤ 80%.
First Home Buyers: Through Kāinga Ora’s First Home Loan, you may only need a 5% deposit, with income limits and criteria (kaingaora.govt.nz).
Getting Creative: Guardian Smith helps explore deposit options, KiwiSaver withdrawals, gifted funds, equity, or government-backed loan solutions.
What is the process to apply for a new mortgage?
Planning: Assess your deposit, income, expenses, and goals.
Pre-approval: Locked borrowing limit gives you confidence when house hunting.
House Hunting: Together we refine your price range and property type.
Application & Settlement: Meet any conditions, do valuation, legal checks, then settle.
Timeframe: Usually takes 4 to 6 weeks from application to settlement.
Guardian Smith Benefit: We streamline documentation, liaise with banks, and keep settlement on track.
Can KiwiSaver or government initiatives help with my new mortgage?
KiwiSaver: After 3 years of contributions, you may be able to withdraw savings (less $1,000) to put towards your deposit.
First Home Loan: Underwrite by Kāinga Ora, allows 5% deposit with income caps—and is available through participating lenders like ANZ, Westpac, others (kaingaora.govt.nz).
Our Support: We help you navigate eligibility, apply, and structure the mortgage to take advantage of government-backed help.
We’re here to help.
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