Independent mortgage advice for buyers and owners across Porirua — from Titahi Bay to Aotea, Papakowhai, Cannons Creek and Plimmerton.
Porirua covers a huge price range — you can find first-home stock in Cannons Creek, family homes in Papakowhai and Aotea, and coastal properties in Plimmerton and Titahi Bay that behave more like Wellington City in pricing. That range means the lending strategy really matters. What works for a $650k first home doesn't work for a $1.4m coastal upgrade.
The Aotea and Whitby new-build corridor has been active for years and continues to be one of the best options for buyers who want a modern home and the 20% deposit exemption. For first-home buyers, plenty of Porirua stock still sits under the First Home Loan cap, and I'll walk you through the eligibility before we pick lenders.
For existing owners, refinancing is where I add the most value — pulling your rate across all five main banks, negotiating cash contributions, and being honest when the answer is 'stay where you are and just re-fix'.
Who I help here: Typical: first-home buyers using the FHL in the eastern suburbs, families upsizing in Aotea and Papakowhai, and buyers targeting the coastal market in Plimmerton and Titahi Bay.
KiwiSaver, the First Home Loan (5% deposit) and lender-by-lender criteria — I'll map the whole thing out for buyers looking in Porirua.
If your fixed term is rolling off, I'll compare all five main banks side-by-side and negotiate cash contributions on your behalf.
Turnkey and progress-payment lending in Porirua — including the 20% deposit exemption on new builds most people don't realise they qualify for.
Structuring investor lending so you don't cross-collateralise away future options, whether it's your first rental or your fifth.
Sometimes — some lenders have appetite limits for specific coastal or slip-risk areas. Not a dealbreaker, but worth checking which banks will look at the property before you sign an offer.
For a lot of buyers, yes — the new-build LVR exemption lets you borrow above 80% without low-equity fees, and turnkey contracts protect against build cost blowouts. Happy to run through a specific development with you.
No fee, no pressure, no jargon. I'll listen first, then tell you what's actually possible for Porirua.
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