Home loans
Buying your own home is likely to be one of the most exciting and daunting purchases you’ll ever make.
We understand how important it is to get the best deal; one that suits you and can help save you thousands in interest over the term of your loan.
Unlike a typical lender or bank, we’ll work with you to put a personalised plan in place to help you get out of debt sooner.
First home buyer?
Struggling to get a 20% deposit together? We can help. If you’re a first home buyer, you’ll only need a 10% deposit.
To save you time, we’ll help you through the entire application, KiwiSaver, and HomeStart grant process.
Home loan calculator
Use this calculator as a guide to find out what your home loan repayments could be.
5 easy steps to apply for your home loan
Speak with a Finsol adviser
We’ll discuss your needs, assess your KiwiSaver and HomeStart grant entitlements, and help you select the most appropriate features and home loan rate.
Depending on your situation, this process may take anything from a few days to a couple of weeks.
Loan application
We’ll prepare and submit all of the necessary documents to your nominated lender.
The lender will then assess your application to determine whether you meet their requirements. They will also confirm your income and employment, and conduct a credit check.
Conditional approval
We’ll receive your conditional approval, also known as pre-approval, on your behalf. Conditional approval means you’ll have confidence in knowing how much you can spend and what your repayments will be.
During the security assessment, the lender may require a valuation on the property being purchased.
Insurance
There are a few insurance products you will need to consider:
- Mortgage Repayment and Life Insurance
- Home and Contents insurance
We’ll help customise an insurance plan to cover loan repayments if you’re unable to work or if your home if it’s damaged.
Unconditional approval
Once your home loan is unconditionally approved, a formal offer will be issued.
Loan documentation is then sent to your solicitor, who will then liaise with the lender to schedule a settlement date.
We’ll get you sorted sooner.
Home loan calculator
Our online home loan calculator is a convenient way to help you budget and assess your options.
Talk to a home loan expert
Call us on 0800 346 765
8.30am – 6pm Monday to Friday
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Saving for your deposit
We know first hand how daunting it can be saving for a deposit for a home.
To help you reach your savings goal faster, we offer free budgeting and saving, debt consolidation, and KiwiSaver advice.
Get started today.
Gareth was great to deal with and would definitely highly recommend their services to others.
Roger Bailey
05:08 18 Mar 20
Very easy to deal with and during the interim period between first approach and sign up Gareth had found a more fit for purpose solution at a better rate.Looking forward to sorting out my ACC later this year.read more
Mark Blair
00:58 06 Mar 20
Thank you Paul for making our lives so much easier when starting a small business. Such a professional and friendly service provided. We will definitely be seeking Paul's advice for any future financial endeavors.read more
Ella O'Dowd
06:39 20 Feb 20
Gareth from Finsol was very helpful and thorough, enabling us to cut through all the confusion to choose the best insurance package for our family. Would definitely recommendread more
Emma Davidson
07:21 03 Feb 20
Gareth I recently had the pleasure of working with Gareth and his team at Finsol discussing investments options to help me build a diversified portfolio. We discussed multiple options to helpme grow my money and I felt confident leaving Finsol that I had made the right choice. At no point did I feel pressured in to do something that wasn’t quite right for me. I highly recommend anybody building a portfolio or looking to diversify, to get in touch with Gareth and his team. Your money is in safe hands. Cheersread more
Stephen Boylan
07:21 11 Jan 20
Gareth was brilliant to work with, making everything super easy and hassle free for me to get the best insurance for my needs. Highly recommendread more
Brooke Rae
19:32 23 Dec 19
Gareth and the Finsol team are fantastic! Really personable, friendly, and genuinely want to help and support people. I highly recommend them and look forward to working with them in the future. Thanks guysread more
Jessica Turner
03:12 12 Dec 19
I had a really positive experience with Paul. He was helpful in terms of giving his suggestions and advice, but also completely OK with us choosing some options that we'd researched ourselves.read more
Jamie Twigg
20:57 10 Nov 19
Gareth was super helpful and really took the time to shape the policy to fit Sam and I. Will definitely recommend!read more
Holly Prideaux
01:49 08 Nov 19
Gareth is a genuine finance professional that cares about educating and getting the best for his clients. Highly recommend Finsol !read more
Nick Manarangi
21:30 07 Nov 19
Gareth and Finsol have been great to deal with. From working through our current plan and advising on options to suit our changed circumstances, the whole process was easy. Would recommend Finsol.read more
Robert Elstone
08:27 04 Nov 19
Gareth and Finsol have been great to deal with. From working through our current plan and advising on options to suit our changed circumstances, the whole process was easy. Would recommend Finsol.read more
Robert Elstone
08:27 04 Nov 19
Gareth and the Team are Awesome!!!! Made everything with our family and personal insurance so easy and stress free and go the extra mile to help with anything needed.THANKS GUYS!!read more
Taurus Taurima
07:27 21 Oct 19
This firm stands out from the rest.Where soo many try to sell you something & forget about you this firm listens, it hears what you need, what you are trying to achieve & builds a set of recommendations based on that.In our drive for quick solutions sometimes things get lost. Tangible things like sharing information, giving proper advice & following up your understanding of that advice (these are not common place anymore).If you want to talk to someone that believes in what they are doing, if you want to be heard, if you want to feel certain that someone is going to go in & bat for you & work to get you the outcome you desire give these people a call.You wont be disappointed. Thanks team.Thanks for listening & helping me get what I was after.read more
Sergio Vasquez
22:35 20 Oct 19
I thoroughly recommend Gareth’s expertise, knowledge and service. He helped us select and purchase health insurance and we valued his knowledge of the industry and the insights he could provide that we had not previously factored in. We have recommended him to friends and wouldn’t hesitate to use Finsol again in the future.read more
Eleanor Jack
07:16 01 Oct 19
Paul made our whole experience of insuring our business and ourselves personally very easy. Paul has great knowledge of insurance and made recommendations that suited our needs and he always kept budget and value in mind. We look forward to working with Paul again soon.read more
Nicole Speakman
22:33 26 Sep 19
Paul made our whole experience of insuring our business and ourselves personally very easy. Paul has great knowledge of insurance and made recommendations that suited our needs and he always kept budget and value in mind. We look forward to working with Paul again soon.read more
Nicole Speakman
22:33 26 Sep 19
We worked with Gareth Dobson from Finsol Insurance and Mortgage Brokers for a recent review of our insurance cover. He did a fantastic job reviewing all the current policies and recommending options that will suit our financial situation and goals. Highly recommend Gareth and Anne to others. Really liked the ease of communication and 'friendly reminders' to make sure we reviewed and signed things off in the time lines discussed. Thanks team Finsol.read more
Glenn Fulcher
23:42 08 Sep 19
I highly recommend doing business with Gareth Dobson. What a great help he was is unbelievable. Thank you Gareth.read more
David Moller
10:19 22 Aug 19
I highly recommend doing business with Gareth Dobson. What a great help he was is unbelievable. Thank you Gareth.read more
David Moller
10:19 22 Aug 19
I recommend Paul to any one looking for a financial adviser. Always giving his clients 100% and making savings where ever he can. He has already saved me money with my ACC , he continues to advice and help me understand, I can not thank him enough.read more
Renee Dever
22:29 05 Aug 19
Gareth from finsol was great to deal with totally stress free. If you had any question or concerns he was able answer them and put u at ease. Would totally recommend him to deal with.read more
Chris Hinde
07:22 19 Jul 19
Paul is great he made the whole process very easy and simple to follow he explains things very meticulously and thoroughly so I really understood what it was all about. He does everything through electronic signing emails which makes the whole process extremely easy no need to travel to sign documents or print off any papers whole process is very straight forward and Paul's the guy to go to if you want to get it done without the brain damage.read more
Jesse Smith
01:30 15 Jul 19
I was very fortunate to have Gareth work through a restructure of my insurances and work related cover. To say I was happy with the outcome would be an understatement. He is knowledgable and efficient and had a particularly good grasp of the cover I required specific to my trade. I couldn't recommend Gareth and his team more.read more
john roberts
07:48 02 Jul 19
I cannot recommend Gareth and the rest of the Finsol team enough. If you are looking for ethical insurance advice then look no further. Gareth was thorough in his initial review and his recommendations and advice was exactly what we needed. I look forward to working with Gareth and having him look after our family for years to come.read more
Stuart Hartley
08:05 26 Jun 19
Paul was amazing to deal with. Made getting a mortgage effortless and stress free. Highly recommend Paul and will be using him again for my next venture!read more
Julie Jones
20:33 18 Apr 19
Could not recommend Finsol and especially Gareth any more strongly. In just one phone call Gareth managed to halve our annual ACC bill resulting in a 5 figure cost saving. Absolutely stoked! Thanks again team.read more
David Nakhle
23:50 02 Apr 19
The advice I get from Gareth really helps as the world of insurances is foreign to me. He regularly checks in to make sure I understand what I am getting out of my cover, putting it into words that are easy to comprehend! I really trust Gareth to make sure my family and I are looked after. He is passionate about looking after his clientsread more
Caitlin Fox
04:56 31 Mar 19
Thanks to Paul and his team at Finsol for the superb work they’ve done in getting our first home and best deal of insurance. Having both house and insurance is an investment. Paul’s professionalism was very helpful in making our decision every step of the way. He answered and explained simply and direct to the point every concerns to help us achieve our financial goals. At the end of it all, we borrowed money conscientiously , spent wisely, saved happily, and invested smartly. Highly recommended! God speed Paul and Finsol.read more
Legend of the Falls
02:03 26 Mar 19
Paul provided my wife & I will excellent advice & from that comprehensive cover at a competitive price. We found him to be professional & open, & communicated what can be complex into context we easily understood. Just as importantly Paul & Gareth his business partner radiate through their words & deeds a sense that your dealing with a person who strives to be a positive influence in all their actions. This level of social & environmental consciousness combined with their first rate business acumen means we plan on being long time clients of Finsolread more
Adam Lee McHardy
03:38 11 Mar 19
Very friendly and professional crew, and boy they are efficient! I really enjoyed that every documents they sent I could sign on my mobile and saved the hustle of printing and scanning papers...#sustainableasitcanget. Thank you!read more
Anahita Hun
01:40 04 Feb 19
Paul ejamme is an amazing advisor. Highly highly recommend. He went above and beyond to help us with our debt consolidation and our insurance cover. He has even helped us set in motion plans to purchase a home. Thank you paulread more
Ashley Hannah
04:03 29 Oct 18
Gareth was fantastic to deal with, I was looking for a business insurance policy and before long I was more than happy for him to review all other policies and discovered many changes could be made to better our needs hence he is now our go to guy for all our financial-insurance needsI couldn't speak more highly of Gareth and the team at Finsol Thanks for everything you've done G Matt Zachanread more
Matthew Zachan
08:15 14 Oct 18
Gareth and his team from Finsol are fantastic to work with. I can't say enough about how much they have helped me. Insurance, kiwi saver and financial support They make the whole process easy and they take into account your personal circumstances and offer products that work for you. I highly recommend the Finsol team.read more
logan vaney
06:31 28 Sep 18
Paul was outstanding! Professional and knowledgeable, he helped answer any questions we had and made our well-being his priority at all times. A lot of people get life insurance without the knowledge of what they’re getting. Not with Paul! He patiently listens and helps you comprehend what you’re signing up for! Have been through a few mortgage and insurance brokers and they can not complete!! A friendly and hard working guy who always puts his customers first. Highly recommended!!!!read more
Sarah Mullen
04:54 27 Aug 18
Paul was extremely helpful, professional and friendly. Not only did he help us with our insurance but he was comfortably speaking to us on a personal level too. Paul was dedicated to making sure he got us the right cover for our needs and personal situation. Highly recommend Paul. As Nike Say - Just Do It!read more
Paul Mullen
09:25 23 Aug 18
Finsol were very helpful in setting up my health insurance - they made everything super easy to understand, and I was able to sign and complete everything over the phone and online. I was impressed with how professional and friendly they were. Highly recommend to anyone needed help with their insurance.read more
Steph Viatos
05:46 15 May 16
