There's no cost to meet with us. And most of the time we get paid by the bank. So there's often no charge. On the off chance there is a cost, we'll let you know well in advance. No surprises.

Working with an adviser gives you a better chance of getting your application approved because we know what lenders are looking for.

As you grow a portfolio it gets harder to get more lending. Because we mainly work with property investors we can help you continue to grow.

Got a no from one bank? Don't worry we have 25 other lenders to try get you a 'yes'. 
We know all 26 lending criteria and will choose the bank that's right for you. This is often different for each person.

Opes Mortgages April and Jen 3 min

Don't listen to us, we're obviously biased. Here's what our clients have to say about our work.

How much does it cost to work with a Mortgage Adviser?

We are paid by the lenders so it won't cost you anything (most of the time). Sometimes we do need to charge a fee but if we do we will talk to you about this first so you can decide if you want to work with us or not.

What happens in our first meeting?

So you book in your first meeting with one of our mortgage advisers. You ask yourself "what actually happens in this meeting?"
Before you meet with us, we'll send you a Fact Find to complete. This saves about 20 minutes in our meeting.
You'll also tell us your goals and send us any documents required - we'll let you know what we need from you (also saving you time in the long run). 
We're going to use that meeting to see if there's anything the banks might pick up on before we send in your application.

What happens after our first meeting?

Your mortgage adviser will run your numbers through our calculators. This is to see which bank is right for you. Once we've agreed on a lender, we will submit your mortgage application. 
Now don't freak out if you don't hear from us every day.
Some banks are slow. It can take up to 10 days to get your application approved (sometimes even longer). 
There can be a bit of back and forth but we're here every step of the way.

Why can't I just go to the bank directly?

You might think to yourself ... "should I cut the mortgage adviser out as the middle man and go to the bank directly?"
The answer is usually no ... Why?
If you go to a bank they can only talk to you about their 'products'.
We work with 26 lenders. So if you use us, you get 26 different options instead of 1. 
It's not just about just finding a mortgage; it's about finding the right one for you.

Opes Mortgages Risk Sheet

Contact

Opes Mortgages Anna and Jason 5 min

Getting a mortgage can be hard. Lenders have different rules. 
The bank might say no. So it's easy to feel confused or let down when you get told 'no'. 
That's where we can help. 
We work with 26 different lenders around New Zealand. So if one says no, there are 25 others we can talk to.

I'm ready to invest. Can you help me get a mortgage?

I can use any mortgage adviser, why would I use Opes?

95% of the time there's no cost

More likely to get your mortgage approved

We specialise in working with property investors

We work with 26 lenders and will find the best solution for you.

Why should I trust you?

How much does it cost to work with a Mortgage Adviser?

What happens in our first meeting?

What happens after our first meeting?

Why can't I just go to the bank directly?

Commonly asked questions

Everything that could go wrong with your mortgage (and how to fix it)