Whether you’re renovating your current home, accessing equity, buying your next property or need bridging finance, Biz Mortgages can help you explore the right lending options.
We work with homeowners and property buyers across New Zealand to structure finance around their property, income, equity and financial goals.
Renovate. Upgrade. Buy. Move.
Turn Your Existing Home Into the Home You Want
If your home needs more space, a modern renovation or a major upgrade, you may be able to use your existing property and mortgage to help fund the work.
Finance may be available for:
Depending on your circumstances, options may include a mortgage top-up, refinancing or borrowing against available equity.
Biz Mortgages can help you understand your options before you start your project.
Could Your Home Equity Help Fund Your Next Goal?
If your property has increased in value or you have reduced your mortgage, you may have built up equity that could potentially be used for another financial purpose.
Depending on your circumstances, available equity may potentially help you:
Your potential borrowing capacity will depend on factors including your property value, existing mortgage, income, expenses and lender criteria.
Want to know what your equity could potentially do for you?
Buying your next home before selling?
Sometimes you find the right property before your current home has sold. Bridging finance may help cover the temporary funding gap between buying your new property and receiving the proceeds from selling your existing home.
Bridging finance may be suitable when:
You have found your next home before selling
Your sale and purchase settlement dates don't align
You need short-term finance to complete your purchase
You want greater flexibility when moving between properties
The key is having a clear repayment and exit strategy. Biz Mortgages can help you assess whether bridging finance may be suitable for your situation.
Access Additional Funds From Your Property
A home loan top-up may allow you to borrow additional funds against your property, subject to lender approval and affordability.
Alternatively, refinancing may provide an opportunity to restructure your existing mortgage and access additional funds.
Biz Mortgages can help you compare your options and consider the structure that best fits your circumstances.
Renovate
Improve your existing home and stay where you are.
Access Equity
Use available property equity towards another financial goal.
Refinance
Review your current mortgage and potentially restructure your lending.
Move
Sell your existing home and purchase a property that better meets your needs.
Bridge The Gap
Buy your next property before your current home has settled.
Mortgage Advice Built Around Your Goals
Every borrower is different. We look beyond the standard mortgage application to understand your overall financial position and objectives.
We can help with:
With access to a range of lenders, we can help you explore suitable lending solutions and guide you through the application process.
Potentially. If you have sufficient equity and can service the additional lending, a lender may consider additional borrowing for renovations.
Whether you’re planning a home renovation, looking to access your home equity, considering a mortgage top-up or need bridging finance, Biz Mortgages can help you explore your options.
Home Upgrade. Access Equity. Buy Your Next Property – Based in Auckland and serving Nationwide across New Zealand – Talk to our experienced mortgage team today.
(Lending criteria, terms, conditions, and fees apply. Approval is subject to lender assessment and individual circumstances)
