Invest with Confidence - Turn Aspirations into Reality with Wise Investments


Borrowing Brilliance - Step into Investment Success

Wise Investments Start Here - Explore Investment Purchase Services

Investment Purchase and Topping Up Existing Borrowing services are tailored to amplify your financial potential. Whether you're a seasoned investor or entering the real estate market for the first time, a mortgage broker can help you optimise your borrowing strategies.

To begin with, Investment Purchase services under a trusted mortgage broker can assist you in securing loans for new investment properties, ensuring you make informed decisions for maximum returns. For those looking to expand existing portfolios, Topping Up Existing Borrowing services provide seamless solutions, offering flexibility and financial advantages.

When you work with a local mortgage broker expert know that they understand the dynamics of property investment and work diligently to align your borrowing needs with your investment goals.

Elevate your property investment journey with tailored services designed to empower your financial success.

Connect with us, and we'll link you with a mortgage broker to streamline your home loan


Let Laura find the lender that works best for you

Smart Choices, Big Returns: Elevate Your Property Portfolio Now

Investment Purchase and Topping Up Existing Borrowing services are specialised financial offerings tailored to individuals seeking to enhance their property portfolios or delve into the world of real estate investments.

Investment Purchase services are designed for those looking to acquire new investment properties. Whether you're a seasoned investor expanding your portfolio or a first-time investor, these services assist in securing loans with terms and conditions optimized for your specific investment goals. The goal is to ensure that you make sound financial decisions, maximizing potential returns on your investments.

On the other hand, Topping Up Existing Borrowing services cater to individuals who already have a property portfolio and wish to expand it further. This service allows borrowers to increase their existing borrowing, providing additional funds that can be strategically employed to capitalize on new investment opportunities, make improvements to existing properties, or diversify their investment portfolio.

In essence, both services are crafted to provide personalized financial solutions, aligning with the unique needs and goals of property investors. Optimise your borrowing strategies, ensure financial flexibility and advantageous terms for your property investments today with a trusted mortgage broker.

Let's link you with an expert mortgage broker for tailored investment mortgage solutions right away!

Unleash the Potential of Property Investments

Step into the realm of financial success and leave a lasting impact in the thriving domain of property investments.

Secure loans crafted for new investment properties through Investment Purchase strategies. Meanwhile, let Topping Up Existing Borrowing services offer you heightened flexibility and financial advantages through an increased borrowing capacity.

Don't miss the chance to elevate your property investment journey. Reach out to us today to find you a mortgage broker aligned with your investment goals. We strongly recommend consulting with an expert mortgage broker in Whangarei to ensure a wise investment strategy is tailored to your unique aspirations.

Let's transform your mortgage dreams into reality – invest with foresight!

FAQs - Investment Purchase / Topping Up Existing Borrowing

What is the difference between buying something as an investment and adding to a loan that you already have?

When you make an investment purchase, you buy more properties with the goal of making money through rental returns or property values going up. Toppping up current borrowing, on the other hand, means adding more money to an existing loan. This can be used for many things, like making more investments, home improvements, or consolidating debt.

How can adding to a loan I already have help my investment?

Adding on to a loan that you already have can be a smart way to get more money for investment options. You can get money for new investments by using the equity in your home as collateral. This can help you diversify your investments and possibly earn more money. You should talk to your financial advisor about the costs and rewards to make sure it fits with your overall goals.

What things should I think about before buying something as an investment or taking out more debt?

Before making such big financial choices, you should think about your general financial goals, how much risk you are willing to take, and the state of the market. Think about the possible rewards and risks of the loan or investment. It's a good idea to talk to a financial advisor or mortgage broker. They can give you help that is tailored to your needs.

Whangarei Mortgage Broker Services

Getting YOU where you want to go with your home goals, all hassle-free.


Buying your first house can be exciting but intimidating. Let Laura help you achieve homeownership!.


Reaching the end of a fixed-rate deal or experiencing a change? Explore your options with a positive outlook.

Debt Consolidation

Pay off debt faster by combining it. You deserve financial freedom to fulfill your ambitions.

New Build Finance

Building a house? Secure new build financing to only draw down money as needed, saving money.

Investment Purchase

Building your property portfolio? Get the best investment property rates with Mortgage Broker Whangarei.

Moving & Bridging

Whether you're in a bind financially or need to buy before you sell. One possible option is a bridging loan.


Stay in your house while getting money from it. Equity Release can help you take it easy and enjoy your retirement.


Do you need asset loans to buy tools or machinery? We can help you get money to buy business assets..

Why go for ‘Mortgage Broker Whangarei’?

Take advantage of Laura Cate's excellent assistance with your mortgage.

If you are looking for a loan, Laura is a mortgage expert who will do everything to get you the best possible outcome.

From Mortgage Lab, Laura has significant industry networks, which offer a wide variety of excellent options of reputable New Zealand lenders.

Your application can be filled out and submitted online, which is a simple and stress-free process. Alternatively, you can meet in person, over the phone, or through a Zoom meeting.

There are solutions available to most people, regardless of their circumstances, because we have access to 26 different lenders.

Achieving the dream of homeownership is a goal for many. While the prospect of a long-term home loan and managing monthly payments may seem challenging, it doesn't have to be a daunting experience. There are positive ways to navigate and make your finances work for you on the path to owning a home.

Opt for a Mortgage Broker prioritising your goals above all else—not the banks.

Whole of marketing lending at your fingertips!

Embrace financial freedom – explore beyond the confines of a single bank!

Getting a mortgage broker doesn't have to be difficult.

Count on the mortgage expert to carefully assess all of your current insurance policies simultaneously.

Get the guidance you need to reach your home goals

You are not responsible for any fees (the bank is the one who pays the fees!)

You can save money on interest payments by remortgaging now.

By letting the industry expert find the ideal financing partner, you can ensure that you receive the best possible rates.

Imagine the freedom you'll have when you no longer have to worry about years of mortgage payments.

Speed up your journey to financial freedom, allowing you to prioritise what truly matters to you!



What is a Home Loan?

A home loan is funding offered by a bank to help you buy a home. In exchange for this financial support, you enter into a contractual commitment to repay the loan over a set time period. In New Zealand, the bulk of home loans have an average payment period of 20 to 30 years. If you are unable to repay the loan, the bank may sell or claim the property to recoup the outstanding balance. Most New Zealand homeowners can afford their homes thanks to bank financing.

Why would you go to a Mortgage Broker like Laura Cates in Whangarei instead of going straight to the


Traditional banks used to offer personalised service, but those days are over. Many people miss that human touch. But that personal link is brought back to life with a dedicated broker like Laura Cates. If you hire Laura, she will always put your needs first and work hard to get the best result for your

specific case. In her job as a mortgage broker in Whangarei, Laura goes above and beyond. She carefully compares policies, rates, and knows what each bank wants. This in-depth analysis makes sure that you are matched with Whangarei lenders who are most likely to help you and give you the best terms. Laura's skills aren't just about getting you a loan; they're also about building a relationship based on trust, honesty, and a dedication to your financial well-being.

What are the fees that mortgage brokers charge?

Brokers don't usually charge fees. Their pay comes from a fee that banks pay them after your loan is paid off. These commissions are not taken out of your money; instead, banks see them as a cost of getting new customers, like a hiring or marketing cost. In other words, you don't have to pay a broker for their time or service. Still, there are times when a private or non-bank lender may be needed, and the lender may charge a service fee. If this sounds like your case, we will talk about it in detail with you ahead of time. There will be no action taken without your full understanding and permission.

Can you provide information on home loans available for first-time home owners in Whangarei?

Buying a property for the first time in Whangarei can feel overwhelming. Having someone to offer guidance and support can truly make a significant impact when needed. Recognising the significance of an emotional journey is equally as crucial as understanding the financial aspect. We are excited to have the opportunity to help you become a homeowner in Whangarei. Many of Laura's clients are first-time buyers, so she is experienced in assisting people like you.

What about investment purchases or adding to your existing borrowing?

With Laura's expertise in mortgages, she will help you find the perfect solution for your specific requirements. Whether you're interested in consolidating debt, financing home improvements, or purchasing an investment property in Whangarei, she has got you covered. If you're looking to cut down on your expenses while also reducing your total debt, or if you want to make an investment property profitable. Contact us immediately at Mortgage Broker Whangarei to be connected with the perfect mortgage expert for your specific needs.

Is there financing available for new builds? What if I choose to build my dream home in the Whangarei area?

Embracing the construction boom can be a strategic move to gain a competitive edge and secure your dream home. With the current surge in construction activity, there is a wonderful chance to create a home that perfectly reflects your unique preferences and needs. It's important to recognize that the new build lending process can be quite complex.

When you make the decision to finance your new build, a reliable mortgage expert can provide valuable guidance that goes beyond the standard lending process. A Whangarei mortgage broker is there for you every step of the way, offering valuable guidance on navigating the intricacies of construction-related financing. We provide comprehensive guidance on different contract types, offer insights into potential construction challenges, and empower you to make well-informed decisions during the financing process. Our Whangarei mortgage broker is dedicated to providing you with the necessary knowledge to navigate the intricacies of new build lending and turn your dream home into a reality. We aim to empower you throughout the process.

What are the options for fixed rate rollovers or re-mortgaging? Is Mortgage Broker Whangarei able to provide assistance?

Fixed rate rollovers play a crucial role in the mortgage process as they expose your interest rates to fluctuations in the market. Additionally, fixed rate rollovers present an excellent opportunity to explore potential adjustments that could reduce your overall expenses or expedite the repayment of your loan. Collaborating with a skilled mortgage broker can help you enhance your mortgage terms by engaging in meaningful discussions about your financial objectives and preferences. Our dedicated Whangarei mortgage broker is committed to assisting you in making informed decisions that align with your present financial circumstances and your future aspirations.

Wait a second, before you barter your keys for a treehouse! Join me as we go out on the path to discovering your dream home

No matter the size of your home—a cozy cottage, a sprawling apartment, or a brand new condo—we can help you make it more desirable and practical. Find the appropriate Whangarei property that fits your interests and lifestyle so that your home becomes more than simply a place to sleep—it will become your ideal sanctuary.

Let's begin our journey together. Find the best Whangarei mortgage broker for your needs by contacting us today!

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DISCLAIMER – The information, resources, calculators and any other information contained in and on this website are provided as general information and are not intended to be financial advice. Before making any financial decisions, you should consult a professional financial adviser. Nothing on this website is, or should be taken as, an offer, invitation or recommendation to buy, sell or retain a regulated financial product. 1768Degrees Ltd accepts no responsibility for any loss caused as a result of any person relying on any information or calculations in or from this website..

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