Home Loans

Q: How much deposit do I need for a home loan, and are there options with a lower deposit requirement?

Generally, a deposit of 20% of the property's value is recommended, but there are home loan options available with lower deposit requirements. It's best to discuss these options with a financial advisor to find a solution that suits your circumstances.

Q: Can I get pre-approved for a home loan, and what are the benefits of doing so?

Yes, you can get pre-approved for a home loan. Pre-approval gives you a clear idea of your borrowing capacity, strengthens your position when making an offer on a property, and speeds up the final approval process.

Unlock the door to your dream home or investment property with expert guidance and tailored home loan solutions from Rod Schubert Financial Advice.

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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 on selecting the right home loan.

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*
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.

*We are not qualified tax professionals and qualified tax advice must be sought to formalise any such tax related issues we identify.

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Additional finance

Refixing or Restructuring

Reverse Mortgages

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100+ 5-star
Google Reviews

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Get started with RSFA

With over 20 years of industry experience, Rod and his team provide expert guidance and top-notch service to help you achieve your financial goals. Reach out to our team today.

+64 9 950 8800

rod@rsfa.co.nz

Understand your finances with our financial analysis tools

RSFA Financial Advisers leverage Planolitix to provide clients with comprehensive financial planning and advanced data analysis, ensuring tailored solutions for optimal financial outcomes.

By utilising this sophisticated tool, RSFA Financial Advisers enhance decision-making processes and maximise investment strategies for their clients.

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Useful Calculators for Home Loans

Our website offers a variety of easy-to-use financial calculators designed to help you make informed decisions.

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Repayment Calculator

Estimate monthly loan repayments based on the loan amount, interest rate, & term.

Borrowing Power Calculator

Find out how much you can borrow based on your income and expenses.

Loan Comparison Calculator

Compare different loan options to determine the best choice for your needs.

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Frequently Asked Questions

What factors should I consider when choosing the right home loan?

When selecting a home loan, consider the interest rate, loan term, repayment flexibility, and any associated fees. It's important to evaluate how these factors align with your financial situation and long-term goals.

How much deposit do I need for a home loan, and are there options with a lower deposit requirement?

Can I get pre-approved for a home loan, and what are the benefits of doing so?

Contact our award-winning team and experience the difference

Get started

     EXCELLENT  
     Based on 105 reviews 
    
 
 
   
 
 
        
   justin Engels 
 14 May 2024
 
 
 Trustindex verifies that the original source of the review is Google. Excellent service from a company that always had our best interests at heart. Without them we woukd not have been able to have our first home.
  
 
       
   Ma Pamela Therese Gaddi 
 26 April 2024
 
 
 Trustindex verifies that the original source of the review is Google. I would to thank Anne Zablan-Balila for helping us secure our first home! You are very hands on, knowledgeable and always willing to help and you have so much patience in answering all of our concerns! You guided us and you were present every step of the way! I highly recommend Anne Zablan-Balila of Rob Schubert Financial Advice to be your mortage adviser and I am sure you can secure your first home too. I will definitely seek your expertise if given another chance to secure a property in New Zealand! I am one of many satisfied and happy client! Thank you so much Anne!
  
 
       
   Amy Po-Ching 
 26 April 2024
 
 
 Trustindex verifies that the original source of the review is Google. I have worked with Rod as my adviser for many years now and he always takes the time to understand my needs to ensure he can deliver on what is required. I have found him to be thorough, diligent, honest, hard working and always striving to do the best he can by me. He is personable, professional, and I highly recommend him.
  
 
       
   giancarlo maturan 
 21 April 2024
 
 
 Trustindex verifies that the original source of the review is Google. I would like to give thanks to Anne Balila from RSFA for helping us get our first home.  I admit it wasn't easy but Anne was always there to assist us and made the journey smooth and less complicated. I will definitely recommend her and RSFA to my friends who are also thinking of getting their new homes.
  
 
       
   Corrinne Pillay 
 16 April 2024
 
 
 Trustindex verifies that the original source of the review is Google. We’ve been clients of RFSA for a few years now. Our experience with Rod and the team has been awesome and the service we receive from Rod has been second to none.
His persistence and diligence to get the best rate for his customers has been a standout for us.
Rod has immense patience with Clients and treats out portfolio as if it was his own, with attention to detail and going to task to ensure we always get what’s best for us. The collaborative way in which this team works ensures that our best interest are always at the forefront.
  
 
       
   Dave Stokes 
 16 April 2024
 
 
 Trustindex verifies that the original source of the review is Google. Rod and his team were able to work the magic for us that the others weren't. His professionalism and willingness to go the extra mile has been greatly appreciated. I highly recommend Rod to anyone looking for expert mortgage advice.
  
 
       
   Georgia Ross 
 15 April 2024
 
 
 Trustindex verifies that the original source of the review is Google. Great service! Efficient and reliable. Can’t thank you guys enough!
  
 
       
   Michael Davies 
 10 April 2024
 
 
 Trustindex verifies that the original source of the review is Google. Rod and the team at SFA have been fantastic to deal with throughout our process. They achieved a higher result than we had been led to believe would be possible and made the whole process easy even when there were hurdles placed in the path. We highly commend Rod for his professionalism, patience, and diligence and have no hesitation in recommending Rod, and the team at SFA, to assist with your financial goals.
  
 
       
   Matt Crawford 
 20 February 2024
 
 
 Trustindex verifies that the original source of the review is Google. Would highly recommend Rod and his team, they are great to work with. Was first introduced to Rod a decade ago and have continued to benefit from his knowledge and experience over the years. He works hard to get results and pushes to get everything lined up even when the banks are dragging their heels.
  
 
       
   John Funnell 
 5 December 2023
 
 
 Trustindex verifies that the original source of the review is Google. Rod and his team where brilliant to deal with and where all over every detail of the process.
Cheers, John & Paul!

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