Find the Best Deal with Best Mortgages
Finding the right home loan can feel overwhelming — especially when every lender has different criteria and rules. At Best Mortgages, we compare options across Tauranga, Papamoa, Greerton, Bethlehem, and the wider Bay of Plenty to help you secure the best financing solution for your situation. Whether you’re buying, refinancing, or building, our experienced mortgage brokers in Tauranga simplify the process so you can focus on your next move.Navigating Your Financing Options
We’ll walk you through every step — from deposit planning and pre-approval to final settlement. Here’s how we help:- Fast turnaround: Straightforward mortgages can be approved in as little as three working days. More complex loans usually take five to seven days.
- Less paperwork stress: We help you prepare income proof, bank statements, and deposit evidence so lenders see your true borrowing power.
- Low deposit options: Even if you don’t have 20%, some lenders will lend up to 90% with low-equity fees or specialist structures.
- Valuations & insurance: We organise registered valuations and advise on repayment or income-protection cover to keep you protected.
- Pre-approval clarity: Knowing your approved limit makes auctions and house-hunting far less stressful.
- Family support options: Guarantor and vendor-finance arrangements can bridge deposit gaps when banks say no.
Smart Structures & Special Solutions
From second mortgages to apartment finance or bare-land purchases, we assess each option for cost, equity impact, and future flexibility. Our goal is to get you approved without compromise — and to set you up for long-term financial success. Personal note: A client from Welcome Bay was rejected for a top-up loan due to tight bank criteria. We restructured their application through a non-bank lender and had full approval in three days — proof that smart strategy beats stress every time. Ready to find your best deal? Talk to our local mortgage broker Tauranga team today for independent advice and access to New Zealand’s leading lenders.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.
How do you find the best home-loan deal in Tauranga?
We compare banks and reputable non-banks, then structure your loan around deposit, income, and future plans. You’ll see the real trade-offs (rates, cash-backs, fees, flexibility) before you decide. Because criteria change often, we also recheck offers before you sign so you don’t miss a sharper option in Tauranga or nearby suburbs like Otūmoetai or Matua.
Is pre-approval worth it before house-hunting?
Yes. A written pre-approval clarifies your limit, reduces stress at auctions, and can speed up turnaround with the chosen lender. We package your documents properly (income, statements, deposit evidence) so the final approval is smoother and you can act quickly on a good property in Papamoa or Bethlehem.
Can I get a loan with under 20% deposit?
Often, yes. Some lenders allow up to 90% with a low-equity fee or rate margin. We’ll map the true cost, compare alternatives (e.g., gifted deposit, guarantor), and show which path fits your cash-flow. If you’re close to 20%, we’ll also model whether waiting to save a little more actually saves you money overall.
How fast can finance be approved?
Straightforward files can be cleared in about three working days; more complex scenarios usually take five to seven. Timing depends on valuation, verification, and lender queues. We front-load the paperwork and chase milestones so you’re not stuck waiting when the right Tauranga property appears.
