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Home Loans, Investment Loans, Business Loans, Construction Loans, Refinancing, Self-Employed Loans, Bridging Loans

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As your local adviser we are here to help

Get one step ahead of everyone, a good mortgage broker can make a big difference to the mortgage application process and to the effectiveness of your loan over time. From finding the right loan to completing the application and monitoring the market after settlement, a good mortgage broker is an expert on your side who will ensure your loan is working for you.

Your First Mortgage

Getting into a first home requires careful planning, and for most of us, serious budgeting. Starting with the basics for the first home buyers, our Swift Adviser will talk you through home loans and every step of the process so you can move forward, with confidence.

We at Swift Mortgages aim to get you in the door faster with our home buying guides.

Mortgage Advice

Refixing (staying with your current lender) or refinancing (switching lenders) can be a great way to save on repayments and get out of debt quicker.

Swift Mobile Mortgage managers can come to you, whenever and wherever it suits you.


Kiwis find investing in a property is more profitable than investing through other options such as term deposits, shares, bonds etc.

We have started seeing massive gains in the regions outside Auckland and big growth is forecast for 2017!
Our customers buy investment properties to make a long-term profit as prices rise.

Get a Swift Mortgage Adviser on your side

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Our Advisers will hold your hands to make your dream come true!

Home Loans

​Your home loan is a large and often long-term financial commitment, so it makes sense to get it right first time.

What’s right for you will depend on a range of factors including the size of the loan you require, the property you intend to purchase, the deposit you have and your lifestyle. With thousands of home loan products all with different features available to home buyers, it can be challenging to find the right home loan.

Swift Mortgage Adviser will help you gain a good understanding of the types of loans available, the home loan process and what the banks require to approve your loan application.

Investment Loans

There’s a lot to know about investments, such as how to choose the best investment loan that meets your needs and goals.

Borrowing options available to investors are now very similar to loans for owner-occupier purchases and include both variable and fixed rate home loans with the option to make principal and interest or interest only repayments.

For an investment finance package tailored to your personal investment position and strategy, talk to Swift Mortgage Adviser. Always seek advice from your accountant on investment and taxation rules for your particular situation prior to making a decision on investment methods.

Business Loans

Swift growth and changes to demand in your business can often stretch your resources. There is a range of flexible business loans available to suit different business needs from finance for business working capital, finance for purchasing a new business or franchise, buying or investing in commercial property, residential and commercial property development and equipment finance.

Talk to Swift Mortgage Adviser to find out more about structuring your business loan, term loans, cash-flow finance, property development finance, hire purchase, chattel mortgages and leasing finance.

Construction Loans

Construction loans generally operate as an interest-only facility with a variable interest rate during the construction period, before reverting to the standard home loan package you have negotiated with your lender. During the construction period, you only pay interest on the part of the home loan that has been drawn down, or paid out.

If you’re looking at a house and land package, you will generally use a regular residential home loan and not a construction loan to finance your purchase.

Most loans can be used to finance property construction. The only difference is that during the construction stage, you may not have access to all your loan features and repayments are generally interest-only


Refinancing a mortgage is not an easy decision. The main points you need to consider before refinancing your home loan relate to your motivation. ​The loan with the cheapest interest rate is not always the right option, and in some cases may actually cost you more money over the loan term. A competitive home loan will offer a combination of competitive rates, low fees and loan flexibility.

Check on exit or deferred establishment fees that you will be required to pay when you switch loans. What are the establishment fees on the new loan and are there any deals on at the moment? If you are refinancing to a fixed loan or a honeymoon loan, find out what the repayments will be once the interest rate reverts. If you are refinancing to access equity, make sure that you have done your sums correctly on your needs and that there is enough equity available in your property to go ahead.


Often, self-employed borrowers find meeting the lending criteria for standard home loans difficult.

Low doc home loans The low doc mortgage products, that were offered by lenders before the Global Financial Crisis, have effectively been withdrawn. Although the product category still ‘exists’ it is no longer acceptable to self-certify your income without verification. This means that lenders are once-again checking financial statements, GST returns and other records to ensure that you have sufficient income to meet lenders’ credit criteria.

Bridging Loans

As the name suggests, a bridging loan ‘bridges the gap’ between two home loans. Bridging home loans are a good way to buy a new property before the sale of your existing home. They are commonly used to finance the purchase of a new property while your current property is being sold, but also provide finance to build a new home while you live in your current home.

While in simple terms, funds from a bridging loan will bridge the finance gaps noted above, the right loan products for you will depend upon a number of factors.

How much can i borrow?

It might surprise you to know that lenders calculate your borrowing capacity differently which includes; income, dependents and credit cards. There are a number of scenarios which outline how much your borrowing capacity can vary, depending on your scenario and lender.

It’s easy to become comfortable with your home loan over a long period of time. While this can be a good sign to show that you’re happy with the loan you have, it can also lead you to miss out on other things.

Check List

required for your first meeting with your Swift Adviser

  • 3 months existing bank statements where your income is credited to
  • 3 months statement of existing mortgage account if you have one
  • 3 month statement of your Credit cards (Only applicable if you have one)
  • 3 month Statements for any debt, that you wish to pay off by doing a top up on your existing mortgage
  • 3 up to date pay slips
  • If you are self-employed, than 2 years’ worth of full financials to calculate your income
  • ID e.g. a copy of your passport or drivers licence (Preferred Passport)

Financial Check-Up Service

When was the last time you had a financial check-up done ?

By assessing your current position, we will compare your existing product and determine whether it’s the best option available to suit your needs.

  • Is your interest rate as low as it could be?
  • Do you want to access equity for renovations, a holiday or pay your Tax Bill?
  • Could you benefit from consolidating your debt?

If you answered YES to any of the above, a financial check up could help improve your financial position.