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Mortgage Broking

Become Wealth provides free mortgage broking to NZDF members and their families, as one of the Force Financial Hub benefits. Their brokers can compare every major bank and a range of non-bank lenders, handle the paperwork, and do the negotiating for you. There is usually no cost and no obligation.

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Become Wealth’s Mortgage Broker Service

Become Wealth’s mortgage broking services include:

  • Access to mortgage brokers who can assist in getting you a good deal.
  • If you are buying a first home, Become Wealth mortgage brokers can assist you through the process and give you KiwiSaver advice.
  • If you already own a home Become Wealth can assist with refinancing, re-fixing, or re-structuring your existing mortgage at a better rate. Assistance is also on offer with property investments.

What that looks like depends on your phase of life. Three situations come up most often with Defence members. You may recognise yourself in one. 

You are buying your first home

You have a deposit coming together, some of it in KiwiSaver, and you want to know what you can borrow before you start looking. A first home buyers adviser gives you that number first, shows you how to use your KiwiSaver withdrawal and any First Home Grant, and frames your application so a lender reads your financial position - payslips, relevant allowances and posting history the way they should. You get your first open home knowing exactly what you can offer. 

Explore first home buyers(external link)

You already have a mortgage

Your fixed term is ending, or you have simply not looked at the loan in a while. Rates have moved, your income has moved, and the structure you set years ago may be costing you. You might have also saved some allowances into a lump sum and want to make the best use of it. A complimentary mortgage review tells you whether to refix or restructure with your current bank, or whether refinancing to another lender puts real money in your pocket. Either way the broker runs the numbers, and if it is a good idea, can you manage the switch.

Explore refix, restructure and refinancing(external link)

You are posted, or even considering an investment property

A posting can mean selling in one town and buying in another on a tight timeline, with two banks and two settlement dates to line-up. Or you may decide to keep the home you are leaving and rent it out, which turns you into a landlord with a loan and now needs the right restructure. A broker who understands Defence postings can bridge the sale and purchase, or set up investment-property lending so your tax position and flexibility are protected from day one. If you are weighing whether to hold or sell at all, the property investment advice looks at it alongside the rest of your plan. 

Explore property investment lending(external link)