Why This Matters
Managing multiple debts — credit cards, personal loans, car finance — can quickly become overwhelming. High interest, different due dates, and growing balances make it hard to move forward. A debt consolidation home loan allows you to roll everything into your mortgage so you have a single, structured repayment at a much lower rate. And you get your financial breathing room back.
At Best Mortgages, we help clients across Tauranga and the Bay of Plenty consolidate debt safely, responsibly, and without judgment. We review your current loans, check how much equity you have, run the numbers on your repayments, and structure the consolidation so you save money — not increase long-term interest. Whether you’re aiming to reduce financial pressure, tidy up your debts before refixing, or restructure after a tough year, we’ll guide you through every step.
We keep things simple, honest, and stress-free — and as a mortgage broker Tauranga homeowners trust, we always look for the most cost-effective path forward.
What We Do For You
Loan Negotiation
We compare offers from multiple lenders and negotiate the best terms — so you don’t have to chase banks.
Application Support
We help you complete all paperwork, gather documents, and deal with lender requirements from start to finish.
Rate & Structure Comparison
We find the loan structure that fits your goals — not just the lowest rate.
KiwiSaver & Deposit Help
We’ll guide you through using KiwiSaver or applying for First Home Grants in the smartest way possible.
Specialist Lending
Self-employed? Low deposit? Credit hiccups? We find flexible options where banks say no.
Ongoing Support
You get real advice, regular updates, and personal support — even after you’re approved.
Case Study: Consolidation Win in Welcome Bay
Emma had three credit cards, a personal loan, and an older car loan — all with high interest. Even though she earned good money, juggling five payments was exhausting and nothing was going down. She came to us unsure if consolidation was even possible.
We reviewed her mortgage, found she had enough equity, and structured a safe consolidation top-up with a major bank. Her five payments became one simple home loan repayment and she freed up over $480 per month in cashflow. Emma now has a clear plan to become debt-free faster and checks in with us each year before refixing.
Here’s How It Works
We keep things simple and stress-free. Our process is designed to help you move forward with confidence — no bank speak, no wasted time.
We start with a free call to understand your goals and borrowing ability.
We compare lenders, structure the right loan, and explain everything clearly.
We handle the paperwork, deal with the banks, and lock in your pre-approval.
We guide you through to settlement — and stay in touch long after.
Your Questions, Answered
Does consolidating debt actually save money?
Often, yes. Mortgage rates are usually far lower than credit card or personal loan rates. We calculate the savings so you can see the real difference before deciding.
Can I consolidate debt if I don’t have much equity?
Maybe. Some lenders allow consolidation up to certain limits. We’ll check your home value, loan balance, and explore bank or non-bank options.
Will consolidating increase my mortgage term?
Only if you choose to. We can structure the consolidated portion on a shorter term so it doesn’t run for 25–30 years.
Does a debt consolidation loan affect my credit score?
It usually helps. Paying off multiple debts reduces utilisation and missed-payment risk. Over time your score often improves.
Can I consolidate debt even if my bank declined me?
Yes. We work with non-bank lenders that are more flexible with consolidation criteria, especially if your income or credit has changed.
Ready to Simplify Your Debt?
One conversation could reduce stress, free up cashflow, and put you back in control.
Whether you’re buying your first home, refinancing for a better deal, or planning your next investment move, now’s the perfect time to get expert advice. Our friendly team at Best Mortgages is based right here in Tauranga and helps Kiwis across the Bay of Plenty make sense of these market shifts. We speak plain English (and a bit of Kiwi slang when needed) and work for you – not the banks – to find the right solution.
Ready to explore your options? Contact us today for a free, no-obligation chat and we’ll walk you through the latest rates, rules, and opportunities tailored to your goals. Let’s turn those property dreams into reality this spring – we’re only a phone call or coffee catch-up away. See our reviews to know why we are called the best. Also stay up to date with our latest news for the best tips and advice.
Best Mortgages — Operated by Ewald Biesenbach (FSP 320426) under The Best Limited (FSP 724451 – NZBN 9429043352067). Licensed under the Financial Services Legislation Act 2019.
