Moving and Bridging Loans - Pursue the Property of your Dreams


Get the House of Your Dreams with a Bridging Loan and Experience Financial Freedom

Achieving Success in Real Estate with Bridging Loans

Bridging loans provide a flexible, quick, and short-term solution for funding needs that last a year or less. Temporary funding like this can help cover expenses until a longer-term loan or other source of funding, such the sale of a property, is available.

In weighing the risks of losing out on your dream home and the benefits of jumping at the chance to buy it, the need of a bridging loan becomes clear. Although bridging loans do come with some charges, the benefits they provide usually surpass those costs.

Relying on the sale of your current house to fund the purchase of an ideal property may not always be the best course of action, especially if you are planning to downsize, move, or upgrade. Your sale could be delayed if the market for homes is very competitive or if there is a shortage of available homes. Depending on the property's special features, waiting can be too dangerous in some instances.

Get in touch with a Whangarei mortgage broker through our referral service so you can put yourself in a strong financial position to take advantage of this home acquisition opportunity. These mortgage experts are well-versed in bridging loans and can help you understand all the nuances so you can make an informed selection that fits your needs.

Let Laura find the lender that works best for you

Achieving Homeownership Goals with the Help of Bridging Loans

It is common practice to utilise a bridging loan, a type of short-term loan, to purchase one property before selling another. This helps to close the gap between the two transactions. Another sort of secured loan is a bridge loan, which requires you to use a valuable asset like your house as security.

The speed with which you can receive a bridging loan is another perk. Because bridging loans are often secured against a valuable asset, such as a property, homeowners can access bigger sums of money because lenders perceive these loans as less risky.

A Whangarei mortgage broker can help you get a bridging loan or a loan for a home purchase, which is great news. Worry less! We can put you in touch with an experienced mortgage broker who can help you through the process.

Yes, Moving and Bridging Loans can Help You Get That House of your Dreams

You can use a bridging loan or a relocation loan for a variety of situations where you don't have the cash on hand right now.

While you apply for a mortgage, a bridging loan can cover the cost of the land and the construction work for your new house. To bridge the gap financially while you relocate to your new home, a moving loan is a great option.

If you want to learn all the ins and outs of a bridging loan or a moving loan, and have a solid strategy for repaying it when it's due, a Whangarei mortgage broker can be a great asset. To succeed, you may need a bridging loan or a relocating loan. Take a Breather! Allow us to link you with an experienced mortgage broker in Whangarei.

FAQs - Moving & Bridging

Could you please explain the concept and workings of a bridging loan?

Homeowners have the option to use bridging loans, which are temporary loans, in order to finance the purchase of a new property while their existing one is being sold. Their funding is typically short-term, usually lasting for a year or less. It serves as a helpful solution for individuals or businesses in need of immediate funds while they wait for a more long-term solution, such as selling a property, to materialise.

Would you mind explaining the concept of a moving loan and how it sets itself apart from traditional loans?

Obtain the necessary funds to cover your relocation expenses through a moving loan, a specialised type of loan designed for this purpose. When it comes to moving loans, there's a key distinction to be made. Unlike regular loans, these specialized loans take into account the various expenses associated with moving, such as packing, gas, and lodging. Their adaptable solution offers a relocation process that is more controllable.

What aspects should be taken into account when deciding between a bridging loan and a moving loan?

When shopping for a moving or bridging loan, it's important to consider factors such as the interest rate, loan duration, and any associated fees. Ensure that the loan is customised to perfectly match your individual financial requirements and goals. If you're looking for guidance on selecting the perfect bridging loan to suit your needs and achieve your property aspirations, consulting with a mortgage broker is an excellent initial move.

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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