Question 1

Is it worth using a mortgage broker in New Zealand?

Accepted Answer

For most borrowers, yes. A broker can show you options from multiple lenders, explain the differences, and manage much of the application work. For standard home loans, you usually pay nothing directly — the lender pays the broker on settlement.

Question 2

How much does it cost to use Zora Mortgages?

Accepted Answer

Standard residential mortgage advice is free to you. We are paid by the lender when your loan settles. If a fee might apply — for example, on specialist lending — we will tell you upfront and get your agreement in writing first.

Question 3

Do you work with first-home buyers?

Accepted Answer

Yes. We regularly help first-home buyers in Christchurch, Canterbury, and across New Zealand with deposits, KiwiSaver, Kāinga Ora pathways, and pre-approval before they start making offers.

Question 4

Can I get pre-approval before I find a house?

Accepted Answer

Yes, and it is often a good idea. Pre-approval gives you a clearer picture of what you can borrow and any conditions lenders may attach. Most pre-approvals last around 60–90 days.

Question 5

How many lenders can you access?

Accepted Answer

We hold accreditations with a wide panel of New Zealand banks and non-bank lenders. The right lender depends on your deposit, income, property type, and plans — we will narrow it down with you.

Question 6

Do I need to live in Canterbury to use your service?

Accepted Answer

No. We are based in Christchurch but work with clients throughout New Zealand by phone, video call, email, and our secure online portal.

Question 7

Can you help with refinancing?

Accepted Answer

Yes. If your fixed rate is ending or your loan no longer fits your situation, we can compare refinance and refix options and run the numbers with you.

Question 8

What documents will I need?

Accepted Answer

Typically photo ID, proof of income, recent bank statements, deposit evidence, and details of any debts. You can upload documents through our online application when you are ready.

Question 9

Do you arrange construction and new-build finance?

Accepted Answer

Yes. New builds involve progressive payments and lender valuations at each stage. We have experience with construction loans, turnkey contracts, and drawdown schedules.

Question 10

When should I get in touch?

Accepted Answer

Earlier than you might think. A short conversation before you start house hunting can clarify your borrowing position, deposit options, and what lenders are likely to ask for.

Frequently Asked Questions

Frequently Asked Questions