Home lending advice tailored to you.
Whether you're buying your first home, moving to your next property or reviewing your existing mortgage, we can help you navigate your lending options with practical, personalised advice.
WHAT WE CAN HELP WITH
Helping you make your next property move
Buying a home or making changes to your mortgage is a significant financial decision. With different lenders, loan structures and repayment options available, understanding what suits your circumstances can make the process easier to navigate.
At Time Vision, we help you explore your home lending options and make informed decisions that support your property plans and financial goals.
First-home buyers
Buying your first home is an exciting milestone, but navigating the mortgage process for the first time can feel overwhelming. From understanding how much you may be able to borrow to preparing a loan application, there's plenty to consider.
We can help you understand the lending process, explore available mortgage options and work through the steps involved in securing finance for your first home.
Whether you're just starting to save for a deposit or are ready to begin looking at properties, we're here to provide guidance along the way.
Buying your next home
Whether you're looking for more space, downsizing or moving to a different area, buying your next home often involves a different set of financial considerations.
You may need to coordinate the sale of your existing property with your next purchase, access available equity or arrange finance before your current home has sold.
We can help you explore your lending options, understand the implications of different arrangements and plan your next property move with greater clarity.
Refinancing your mortgage
Your mortgage may have suited your circumstances when you first arranged it, but your needs and financial priorities can change over time.
Refinancing involves moving your home loan to another lender, potentially to access different loan features, repayment arrangements or interest rates. Alternatively, restructuring your mortgage with your existing lender may be worth considering.
We can help you review your current lending arrangements, compare available options and consider the potential costs and benefits before making changes.
Investment property lending
Purchasing a residential investment property comes with different lending considerations compared with buying a home to live in.
Factors such as deposit requirements, rental income, existing debt and loan structure can all influence your borrowing options. Understanding these considerations is an important part of planning a property investment.
We can help you explore residential investment lending options and understand how different finance arrangements may fit within your broader financial circumstances and property plans.
FREQUENTLY ASKED QUESTIONS
Common questions about residential mortgages
How much can I borrow for a home loan?
The amount you may be able to borrow depends on several factors, including your income, regular expenses, existing debts, deposit and the lender's assessment criteria.
Lenders also consider your ability to meet mortgage repayments and may apply different lending policies depending on your circumstances.
A mortgage adviser can help you understand your potential borrowing capacity and explore lending options before you start looking for a property.
How much deposit do I need to buy a home?
The deposit required depends on the type of property, your circumstances and the lender's requirements.
While a 20% deposit is often used as a benchmark for owner-occupied homes, some buyers may qualify for lending with a smaller deposit, subject to eligibility criteria and lender policies.
We can help you understand the options available and what different deposit levels could mean for your mortgage application.
What's the difference between fixed and floating interest rates?
A fixed interest rate stays the same for an agreed period, providing certainty over your interest rate and scheduled repayments during that time.
A floating interest rate can change as market conditions and lender pricing change. Floating loans may also provide greater flexibility for making additional repayments, depending on the loan terms.
Some borrowers choose a combination of fixed and floating lending. The most suitable arrangement depends on your circumstances, priorities and financial plans.
Is it worth refinancing my mortgage?
Refinancing may be worth considering if your current mortgage no longer suits your needs or you're looking to explore different rates, features or repayment arrangements.
However, refinancing can involve costs, including break fees, legal fees or other charges. There may also be implications if you received a cashback or other incentive from your existing lender.
It's important to consider the overall financial impact rather than focusing on the interest rate alone.
Should I get mortgage pre-approval before looking for a property?
Mortgage pre-approval can help you understand how much a lender may be prepared to lend, subject to certain conditions.
Having pre-approval may give you a clearer starting point when searching for a property and help you assess options within your potential borrowing range.
However, pre-approval isn't a guarantee of finance. Final lending approval may depend on the property, valuation, your circumstances and any outstanding lender requirements.
OUR PROVIDERS
We work with a range of insurance and lending providers
Let's talk about your needs
Whether you're reviewing your insurance or exploring lending options, the Time Vision team is here to help.
PO Box 84-237
Level 1, T88 - Northwest Shopping Centre, Fred Taylor Drive, Westgate, Auckland, New Zealand
Our services
Personal insurance
Business insurance
Residential mortgages
Commercial & business lending
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Disclosure statement
Important information
All Time Vision advisers are members of AdviceQual Financial Advice Provider. Financial advice is provided under the licence held by AdviceQual.
For more information about our financial advice services, including the scope of our advice, how we are remunerated and how complaints are handled, please read our Financial Advice Disclosure Statement.
