Real advice, in really easy to understand terms

Everything lending

We can advise on pre-approvals, new purchases, bridging loans or refinances.

Whether you are a first home buyer, a small-time or experienced property investor, or looking to refinance, we can provide advice and seek finance approval to meet your requirements. Our aim is always to have a positive effect on your finances and other financial needs. If we feel for any reason we cannot add value, we can usually let you know within the first interaction.

Feel free to spend 10 minutes registering and completing some basic information we will require by clicking on the “GET STARTED” button on the home page. Once this very simple form is completed, we will be in touch promptly.

Property purchasers

Buying your first home is exciting, the prospect of a place that is truly your own.

We are passionate about first home buyers and are experts that value assisting first home buyers with what can be a minefield of information.

Our advisers can assist you with:

  • Calculating affordability
  • Find the best bank for you (or non-bank if main bank criteria isn’t met)
  • Seek pre-approval if you haven’t purchased at the time of applying
  • Give you step-by-step guidance (we can refer you to one of our network contacts too where appropriate)
  • Do as much of the ‘heavy lifting’ as we can with your application
  • Help you get up to 95% LVR; 5% deposits may be permissible for Kāinga Ora lending as well as access to shared equity lending as a specialist product)
  • Negotiate pricing with the banks to obtain the best terms for you

You may have a property or even own several; you may be a first home buyer wanting to buy an investment property.

Whatever the case, we are here to support you and provide expert advice and more.

Our advisers can assist you with:

  • Calculating affordability
  • Find the best bank for you (or non-bank if main bank criteria isn’t met)
  • Seek pre-approval
  • Give you step-by-step guidance (we can refer you to our network contacts too)
  • Do as much of the ‘heavy lifting’ as we can with your application
  • Indication of how we would suggest structuring your lending that may maximise tax deductibility; we are not qualified tax professionals and qualified tax advice must be sought to formalise any such tax related issues we identify
  • Seeking approval for interest-only deductions
  • Borrowing up to the maximum loan to value ratios (LVRs), if required, for new builds and existing investment properties
  • Negotiate pricing with our genuine effort to obtaining you the best terms
  • Advising professionally of ‘mortgagee saturation risk consumer style ‘ by recommending the use of different mortgagees (banks) where appropriate and suitable 


In summary of the above, we’ll give you professional advice on what you can borrow, your mortgage structure, and the most competitive lending package we can recommend. We’ll manage the process of obtaining finance with the banks and can work with your lawyer, accountant, estate agent, and any other professional or authorised party to achieve the result you are seeking.


In addition to requesting and obtaining paperwork and putting together a well-presented application for the bank(s) assessment, we can:

  • Assess your current structure and situation
  • Consider what your current bank versus what other banks can provide
  • Provide specific advice on the best mortgage structure and bank for you which may allow for:
    • Saving money on interest rates (due to our negotiation)
    • Advising on a financial upside apart from just interest rate differences
    • Finding the best bank for you (whether that be staying with the incumbent or switching to a new bank)
    • Strategies to pay off your debt faster
    • Finding a more flexible lending structure for you
    • Topping up your funding at the same time of refinancing (for example a car purchase or renovations)
    • Providing direction on seeking advice on certain areas like asset protection or tax matters that we may identify but cannot advise on professionally ourselves

Construction finance

Whether it be for a new build, or major construction, or a more complicated demolition job, we can help.

There are so many different types of ways to contract a build or renovation. Here are your typical methods:

  • Fixed-price contracts
  • Turn-key contracts
  • Buying off-the-plans (which are typically turn-key)
  • Labour only contracts
  • Factory-built houses or “prefabs”
  • Relocatable dwellings (to move to a site and connect)

We’ll manage the finance process for you. We’ll ensure you get the best lending arrangement for your situation and provide expert advice based on your scenario.

It is completely normal to be a bit lost with construction loans; one of our friendly team can provide professional advice to help you on your journey.

Non-bank lending

Have you been turned down by the banks? Need an expert opinion on whether you are likely to meet bank lending criteria before wasting hours of your time?

There is a growing market for Non-Bank lending institutions.

The main banks can take a conservative lending approach to certain risks within lending applications. This does not mean you are necessarily unworthy of borrowing money; it may mean that alternative lending options are required to be sought.

Here are some examples of non-bank lending applications, where main bank options are unlikely to be available:

Bridging finance where there is no guarantee of repayment of lending and thus proving satisfactory servicing becomes a real issue. We call this ‘open-ended bridging’ and although it can be convenient to buy first, and then sell your property, it may come as a surprise that even though your ‘end position’ works well within bank criteria, the fact your existing property is not in fact sold (unconditionally) at the time you purchase or wish to, the bank could make this challenging if not impossible to obtain approval. We take a pragmatic approach by looking at whether we can try the banks and will produce a well-presented file for their consideration. We will also discuss what non-bank options may exist.

If you are newly self-employed (have less than two years’ worth of formal financials), or possibly you have had a blip year (have earned materially less than in previous years) you may struggle to have finance approved by a mainstream bank. We can look at alternatives.

If you are asset rich and cash poor and wish to raise finance, you will probably need a non-bank lender to provide approval. With changes to the CCCFA at the end of 2021, if you are deemed to fit within CCCFA lending criteria, obtaining lending even from non-bank lenders can prove challenging – we will give you a transparent and professional opinion on this as early on in the piece as possible.

You may have a credit rating impairment such as resolved or unresolved credit adversity. You may be discharged from bankruptcy or have undergone a non-asset procedure. This list is not exhaustive. The banks tend to take a hard line on credit impairment issues, even ones that are repaid that could have been a few years ago.

You may not have an indefinite returning resident’s visa for New Zealand and seek a low equity loan.

Tax debt. Many self-employed Kiwis (in particular) may find themselves in situations where they owe the IRD money and therefore will want to borrow money to clear the debt. It can work out less costly to borrow money from a non-bank as opposed to paying IRD penalty interest and fees. People can end up having debt with the IRD for a number of reasons and we recommend consulting with your accountant or other qualified tax professional for guidance in managing tax obligations.

We have access to a variety of non-bank short and longer-term lending solutions and are enthusiastic about finding you the right option for you. It is important that skill and diligence are exercised with this more specialised lending; an inferior solution may end up costing a dramatic additional amount if the wrong non-bank is recommended and an offer is accepted by you.

An ‘Exit strategy’ is also an integral part of this conversation with an adviser that has your best interests at heart or if the solution is a long-term solution, then understanding this upfront. Your finance arrangement may only sit with a non-bank lender for a brief time. We can approach a bank when and if you meet their criteria. We will explain this in our written advice to you to convey clear expectations and to enable a material understanding of this, as part of the professional process we undertake for you.

If upfront fees are applicable, we will discuss with you as part of our Nature & Scope of Advice process, at the initial stages of engagement.

Getting you finance through a main bank is always the priority, if it is viable. 

Refixing or restructuring

The team at RSFA will look pragmatically at what is best for you, and not the bank. It may be that we recommend remaining with your own bank – advice is key. We welcome new and existing clients to contact our friendly team. We typically do not charge for re-fixing advice and will disclose any charges that may exist early in our engagement for your consent. Please note banks do send online offers to clients and we will request a copy of the offer to commence the advice process.

In summary, we can assist with:

  • Obtain basic information from you
  • Work with you to establish your needs and areas of advice required
  • Seek the best pricing from your existing bank as well as advise on other market pricing – we will be fully communicative within this process
  • Make a plan consultatively where we ultimately would want to achieve a value-add result from our perspective, which may include a better rate being negotiated with your bank or a refinance to another bank to acquire a financial outcome in your favour. Whichever the case, we will look to add value alongside this with sound and pragmatism in the financial advice we provide
  • We will look to manage your re-fixes moving forward provided you agree, and for that, we will work hard and diligently to gain your ongoing business
  • Note, most banks allow you to fix up to 60 days prior to your fixed rate renewal. We therefore highly recommend being in touch around 2 ½ to 3 months prior to the renewal of your fixed term for these reasons:
    • In an increasing interest rate environment, it may save you money to fix as soon as you are able so as to beat a rate rise(s)
    • By discussing whether it is best to re-fix or look at refinancing to another provider as early as 3 months from the expiry of your fixed loan term we can spend time working with you and setting up an approval to refinance, should that be in your best interests
    • Banks can take a varied amount of time per loan application. It is not advisable to leave these discussions to the last minute; it may mean you feel forced into taking your existing bank’s offer without the considered opportunity of a better deal. Being organised means more time to negotiate with the incumbent bank and making an informed decision about the next finance move

Finance cost speaking, this is a pivotal moment and dealing with your current bank only provides an option with your current bank!  And the deal kicker is on any given week we are aware of and monitor the best rates and packages are in the market as we deal with all the banks; how could your existing bank possibly profess the same?


1. Do you have spare savings that you could pay your mortgage down with?
2. Are you likely to sell your home before your refix is due to mature again?
3. Can you make additional payments to your mortgage
4. Which direction do you think interest rates are headed?
5. How much trouble would you be in if interest rates jumped by quite a bit? (e.g 2%)

Home equity loan

AKA Reverse Mortgage

You may look at your equity in your home like this:

Home Equity

If you are 60 and above and have equity in your home, you may qualify for a Home Equity Loan (also known as ‘Reverse Mortgages’). Getting you finance through a main bank is always the priority, if it is viable.  

Please complete the form below and we will be in contact with you.

Reverse Mortgage