Mortgage loans NZ – flexible second mortgage financing
As a Responsible Lender, we give you the facts straight – Your bank will be the absolute best place to hold your first mortgage due to being able to provide you the absolute lowest interest rates.
A Real Finance mortgage loan generally serves as a second mortgage, giving you flexibility for renovations, repairs, property sale preparation, or special purchases—without disturbing your primary home loan.
Why choose Real Finance for mortgage financing?
Competitive second-mortgage rates
As a non-bank lender, we negotiate competitive mortgage loans and mortgage financing options—often beating big banks on flexibility.
Fast online decisions
Complete our application in minutes and receive an answer within 60 minutes, so you can progress your plans without delay.
Transparent costs & fees
Your loan amount, interest rate, and all fees (establishment, PPSR search, valuation, administration) are disclosed upfront.
Tailored to your financial situation
Whether you’re a first-time home buyer or swapping a bridging loan, we customise your second mortgage to suit your budget and credit profile.
Who benefits from our mortgage
loans & insurance?
Home Renovators & Home Buyers:
Fund improvements or secure your new home with optional mortgage insurance.
Investors & Bridging Loan Clients:
Roll your existing bridging loan into a structured mortgage loan with lower repayments.
Business Owners & Personal Loan Holders:
Consolidate a high-rate personal loan into your second mortgage for simpler, cheaper financing.
Anyone Seeking Financial Freedom:
Our tailored approach respects your unique financial situation and goals.
Costs of Borrowing
Under the Credit Contracts and Consumer Finance Act 2003 (CCCFA), we ensure all costs are fair and transparent.
All fees charged are incorporated into your loan contract, so you always know your true repayment amount.
How much will it cost?
Wondering what your repayments might look like? Use our loan calculator to estimate your loan amount and see how flexible your repayments can be.
Available loan amount
From $5,000 – $2,000,000
Terms
2 – 60 months
Repayments
Starting from $199 per month
Security options
Property, vehicles, or other collateral.
Disclaimer
This calculator is intended as a helpful guide for use when comparing loan providers and should only be used as such. It provides results based on the assumptions below and the information you provide.
- The calculated amount is not a quote or offer from Real Finance (or our External Lenders).
- Repayment amounts calculated are based on an indicative annual interest rate of 23.95%, an Establishment fee and a Monthly Administration fee.
- The rate offered to successful applicants will depend on individual circumstances and loan type, including your credit score, affordability and security offered.
- Our current annual interest rates and costs of borrowing can be found here.
- Other fees or charges may apply to your individual loan.
- It assumes you make all your required repayments in full and on time and therefore do not enter default.
For more information or to obtain a finance quote tailored to your individual circumstances, please contact one of our friendly team.
Mortgage loans NZ – easy as 1, 2, 3
1. Application
Fill in our 5-minute loan application form, or call 0800 21 21 21 to talk to our friendly team.
2. Review
We’ll review your loan application within 60 minutes to make sure your loan is fit for purpose and affordable for you. We’ll also review your credit score and financial situation as part of the process.
3. Payout
Once your loan amount is approved, we document your application, explain the terms, sign you up and pay out your funds—so you can get your fast cash without delay.
“I can’t believe how fast it was to apply, be approved, accept, and then get the funds into my account. A truly seamless experience.”
Frequently asked questions
What is mortgage insurance and do I need it?
Mortgage insurance protects your loan balance and covers repayments if you face serious hardship. It’s optional but recommended for peace of mind.
How is my interest rate determined?
Your interest rate is based on your financial situation, loan size, term, and property value, in compliance with CCCFA.
Can I pay down my loan balance faster?
Yes—make early repayments or extra payments anytime without penalty to your loan account reduce both your balance and interest.
Will an existing bridging loan affect my application?
We can consolidate your bridging loan into the new mortgage, simplifying your finances under one contract.
How do I choose the right loan amount?
Consider your project cost or goals, then select a loan amount that keeps your loan repayment within your budget. Our team can guide you through the options.
Ready to manage your mortgage & insurance?
Apply now for flexible mortgage loans, mortgage financing, and optional mortgage insurance in NZ.
