Home Loans & Mortgages

Get your dream home or freshen up an existing one, simple and easy

Whatever your loan and mortgage needs, we’ve got your covered. Trust our expertise to find the best deals for your specific requirements.

Home Loans and Mortgages

Are you?

Whether a first home purchase, a new build or a top up for a renovation. Give us a call at 0800 BROKER.
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“Four years ago I started with Dan, needing finance for a truck. Long story short, I now have EVERYTHING under the sun using Quantum. I can't recommend them highly enough.”

Bridget Walsh

Quantum Finance

Why Quantum Finance?

We are you

And that's why we understand you. We've been where you are now. All of us. Our team and their families have walked our talk. We're home buyers. We're mortgage holders. We're investers. And that's why you are our main priority. Not the banks or the insurers. You.

We hear you

We get it! Money can be scary. But here's the simple truth - you don't know what you don't know. We'll take the time to share our expert knowledge simply, so you know what's going on every step of the way. We'll get you the best deals to match your goals and dreams.

We're finishers

Trust us. We keep our word. And we do that by seeing your financial plan through to your ultimate benefit. We'll organise what needs to be done so you'll get what you need when you need it and we'll stay a phonecall or email away, always.

One of the first challenges faced by first home buyers is coughing up a deposit. Especially in todays financial climate. Here’s a few ideas to help you get your deposit together.

Getting your first home?

If you’ve been a member of KiwiSaver for 3 years or more you may be able to withdraw some of your KiwiSaver savings to put towards purchasing your first home. You may be able to withdraw the current value of your contributions, your employer’s contributions (voluntary and compulsory), returns on investment, and any member tax credits. The $1,000.00 kick start grant however, must be left in your account.

To make sure you’re eligible, contact your fund provider. Heads up! Tell your provider if you’re a previous home owner, that never used your KiwiSaver too. They’ll let you know how they can help you with that. Once you have that thumbs up, give us call so we can support you through the next steps.

Gifts are a common way to deal with the deposit for a home loan—which currently sits at 20%. A gift can be made by a family member or any other willing party. A gifting declaration will need to be completed and legal advice should be sought to have a full understanding as to how this can work as an option.

You may be making more than enough income to service a mortgage, but you can’t use the KiwiSaver or partial deposit options. A guarantee can help you here, by providing the backing required by taking security over assets of family members or other willing parties.

There are various conditions that all parties will need to meet to make this happen. Legal advice is essential here. Your adviser is also happy to answer questions you may still have.

The Homestart grant entitles you to $1,000 for each year that you’ve been contributing towards your KiwiSaver scheme (up to a max of $5,000), if you’re purchasing an exisitng home. These amounts double if you’re buying or building new (yes, $1,000 becomes $2,000 for each year up to a max of $10,000). Heads up! Here’s the great news. Two purchasers? Then everything doubles again! Meaning there could potentially be $20,000 in grants available if you meet the criteria.

AM I ELIGIBLE?

Yes! I meet the criteria and I am ready to apply!

One of the first challenges faced by first home buyers is coughing up a deposit. Especially in todays financial climate. Here’s a few ideas to help you get your deposit together.

Getting your first home?

If you’ve been a member of KiwiSaver for 3 years or more you may be able to withdraw some of your KiwiSaver savings to put towards purchasing your first home. You may be able to withdraw the current value of your contributions, your employer’s contributions (voluntary and compulsory), returns on investment, and any member tax credits. The $1,000.00 kick start grant however, must be left in your account.

To make sure you’re eligible, contact your fund provider. Heads up! Tell your provider if you’re a previous home owner, that never used your KiwiSaver too. They’ll let you know how they can help you with that. Once you have that thumbs up, give us call so we can support you through the next steps.

Gifts are a common way to deal with the deposit for a home loan—which currently sits at 20%. A gift can be made by a family member or any other willing party. A gifting declaration will need to be completed and legal advice should be sought to have a full understanding as to how this can work as an option.

You may be making more than enough income to service a mortgage, but you can’t use the KiwiSaver or partial deposit options. A guarantee can help you here, by providing the backing required by taking security over assets of family members or other willing parties.

There are various conditions that all parties will need to meet to make this happen. Legal advice is essential here. Your adviser is also happy to answer questions you may still have.

The Homestart grant entitles you to $1,000 for each year that you’ve been contributing towards your KiwiSaver scheme (up to a max of $5,000), if you’re purchasing an exisitng home. These amounts double if you’re buying or building new (yes, $1,000 becomes $2,000 for each year up to a max of $10,000). Heads up! Here’s the great news. Two purchasers? Then everything doubles again! Meaning there could potentially be $20,000 in grants available if you meet the criteria.

AM I ELIGIBLE?

Yes! I meet the criteria and I am ready to apply!

Looking to renovate?

Maybe you love your home but you know renovating will increase your value and enjoyment. Whether it’s as simple as repainting or repairing an area or room, or as complex as knocking down a few walls to create more space and add more room, we can help you get the financing you need to get stuck in.

Looking to renovate?

Maybe you love your home but you know renovating will increase your value and enjoyment. Whether it’s as simple as repainting or repairing an area or room, or as complex as knocking down a few walls to create more space and add more room, we can help you get the financing you need to get stuck in.

Buying an investment property

Looking to get on the investment ladder? Should you buy new? Or should you grab a do-up? The wrong move can cost you, Big-Time! As hard-working kiwis, property investment is a savvy way to create some short, mid and long-term wealth dependant on your strategy. Our team have been investing for years and we’ll make sure you don’t end up with the wrong property for your portfolio

Building your dream home?

If your dream home is one that hasn’t been built yet, and you want to go ahead and build it, you need a lot more in terms of funding! Whether you’re still looking for the perfect plot of land to plant your roots or already have one, we can help you get the loans you need to see your dream come true. From initial pre-approval, the multitude of drawdowns over the course of the build, all the way to the finishing touches. Talk to us today about new build/construction loans.

Building your dream home?

If your dream home is one that hasn’t been built yet, and you want to go ahead and build it, you need a lot more in terms of funding! Whether you’re still looking for the perfect plot of land to plant your roots or already have one, we can help you get the loans you need to see your dream come true. From initial pre-approval, the multitude of drawdowns over the course of the build, all the way to the finishing touches.

Talk to us today about new build/construction loans.

Get finance savvy

Simply and clearly, here’s what you need to know

The short and honest answer is that it depends entirely on the type of loan that you are getting. Generally, the rate that stipulates the floating rate is the 90-day bank bill rate. This, in turn is influenced by the Official Cash Rate used by the Reserve Bank of New Zealand. This rate is controlled to carefully managed inflation.

Interest rates tend to move depending on the strength of the economy. There are many factors at play here but, as a rule of thumb, high economic growth pushes interest rates up, while low economic growth pulls them down. We follow these principles as they are ultimately beneficial to our clients in the long run.

The interest rate you pay on your loan is fixed for a period of time. Terms are usually 6 months, 18 months and between 1-5 years. At the end of the term, a fixed loan can be negotiated for a further fixed term or it will automatically go on to a floating rate at the end of the fixed term.

The floating rate can be higher or lower than the fixed rate terms. However, the lenders can lift or lower the actual rate at any time, usually when market conditions change. If this happens your regular repayments will also need to be increased or decreased to compensate.

You do however have the option of paying this loan in full or by any amounts whenever you like; you can also set your regular repayment to any level (so long as it is at least the minimum amount required). This can be done at any time while the loan is on a floating rate.

Revolving credit loans work as a large overdraft. Your regular income is paid directly into this account, and your regular bills are paid out of the account when they are due.

The lender calculates the interest on a daily basis (on the daily outstanding balance), you can pay less interest on this loan by keeping the outstanding balance as small as possible.

Funds held in savings accounts can be used to offset the balance in your offset mortgage account. You pay interest on the difference. E.g. if your offset mortgage balance is $50,000 and you have $10,000 in savings accounts you will pay the loan interest on $40,000. The offset mortgage is on a floating or variable interest rate.

You can have up to 8 savings accounts balances linked (the cumulative balances of up to 8 accounts excluding term deposit investment accounts). There is no credit interest paid on the savings account balances if they are linked to the offset mortgage account. You can link savings accounts in your name, your
partner’s name and your children ’s names.

Company or business savings accounts are excluded. Offset loans can have either interest only or principal & interest repayment types.