South Auckland
Mortgage advisers for South Auckland
We work with clients right across Manukau, Papatoetoe, Ōtara, Flat Bush, Manurewa, Takanini, Papakura, Drury, Pukekohe, Māngere and Ōtāhuhu, with our head office in Auckland behind every application. We compare lenders for first homes, investment property, refinancing, building and development, commercial property and business funding.
Borrowing in South Auckland: what to know
- New builds in the growth areas. Flat Bush, Takanini, Drury, Papakura and Pukekohe have plenty of new homes. New builds are exempt from the Reserve Bank's deposit limits, so many can be bought with around a 10% deposit, and we go through the build contract and payment stages with you before you sign.
- Buying with family. Pooling incomes or deposits with family can get you into a home sooner. Lenders assess everyone on the loan, a family guarantee can help with the deposit, and it pays to get legal advice on how you'll own the home together.
- Business owners and contractors. If you run a business or work as a contractor, lenders look at your financial statements and how steady your income is. Some lenders can work with one year of accounts or other evidence.
- Townhouses and infill projects. From a single infill townhouse to a multi-unit project, we arrange land, construction and development finance, and loans for any residual stock once it's built.
- Meet the way that suits you. In person by appointment, or by video and phone, in English, Hindi or Punjabi.
What we help with in South Auckland
- First home buyers: the loan, guidance on the property and specialists when you need them
- Investment property loans and refinancing
- Building a home and property development finance
- Commercial property and business funding
- Debt restructuring and debt consolidation
Talk to us on 09 280 7555 or office@mutualtrust.co.nz, or book a discovery call so your adviser is ready for you.
Questions people in South Auckland ask
Can you help me buy a new build in Flat Bush, Takanini or Drury?
Yes. New builds are exempt from the Reserve Bank's deposit limits, so many lenders go to 90% for a new home you'll live in. We help you weigh up a turnkey contract against a staged build, and find the lenders that suit the contract and the developer.
Can I buy a home with my parents or other family?
Yes. Family can borrow together, guarantee part of the loan or gift part of the deposit. Lenders assess everyone's income and debts, and each of you should get legal advice before you sign.
Can I talk to an adviser in Hindi or Punjabi?
Yes. Our team speaks English, Hindi and Punjabi, so you can talk your plans through in the language you're most comfortable with, in person by appointment or by video and phone.
How much does a mortgage adviser cost?
Lenders pay us a commission when your loan settles. We may charge a fee in some cases, depending on your situation, and we always agree it with you up front. How we're paid
Can I meet an adviser in person in South Auckland?
Yes, in person by appointment, or by video and phone if that suits you better.