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Plaxo Mortgages

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Plaxo Mortgages

Helping Kiwis with mortgages since 2006 — first homes, investment, construction, commercial & business loans. English, Mandarin & Cantonese speaking advisers.

We find the right solution from NZ's major banks and lenders.

18/09/2026

The bank you've always used may not be the best fit for your mortgage.

Most people start their home loan journey by going to their own bank. It feels familiar — but familiar isn't always the best option.

Different lenders have different criteria. What one bank declines, another may approve. And even when multiple banks will lend to you, the rates, structures, and conditions can vary more than most people expect.

A few things that can influence which lender suits you best:
✔ Your income type — salary, self-employed, commission, or casual
✔ Your deposit size and where it's coming from
✔ Your credit history and existing debts
✔ The property type you're buying
✔ How much flexibility you need in your loan structure

This is where working with a mortgage adviser makes a real difference. Instead of applying to one bank and hoping for the best, a Plaxo adviser can compare options across multiple lenders — and match you to the one that best fits your situation.

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11/09/2026

Should you split your home loan into different portions?

Instead of putting your entire loan on one rate, some borrowers choose to split it — fixing part of the loan for certainty, while keeping another portion flexible.

A split loan can provide a balance between repayment certainty and flexibility — but it's not the right fit for everyone.

Common split structures:

✔ Fixed + floating — most of the loan is fixed, with a smaller floating or revolving credit portion for extra repayments
✔ Different fixed terms — for example, one portion fixed for 1 year and another for 2 years, so not everything refixes at the same time

It may suit you if:

• You want stable repayments but still want room to make extra payments
• You receive bonuses or irregular income.
• You're not comfortable with all your lending refixing at once.

Worth knowing:

• The floating portion usually carries a higher rate — flexibility has a cost.
• Managing different portions means different rates, repayment dates, and refix dates.
• Splitting doesn't guarantee you'll pay less — it depends on how you use each portion.

A Plaxo adviser can help you work out whether splitting makes sense for your situation and what structure might suit you best.

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09/09/2026

Land settlement + 5-house build, the North Shore of Auckland
Summary

An experienced developer, bought two consented sections and needed funding to settle the land and build five standalone homes We arranged full development funding, and the deal settled on time.

The difficult part: high LVR on day one and overall

•Day one LVR: around 73% of the net as-is land value
•Total LVR: 70% of the net end value

How we got it done

•Made sure the valuation reflected the consents already in place, lifting the land value above the purchase price
•Structured the GST portion separately so it didn't push the main facility over the limit
•Backed the ask with Client A's track record: four projects completed in three years
•Solid trust between lender to advisor, and advisor to client, so lender approved higher LVR

Result

Client settled with the cash he needed, kept his unsold houses on the market at full price, and had the entire build funded by one lender.

04/09/2026

Buying a home costs more than just the deposit.

Most first home buyers are focused on saving their deposit — which makes sense. But there are several other costs that tend to catch people off guard.

Before you settle, you'll likely need to cover legal fees, property reports, insurance, and potentially a valuation. These can add up to anywhere between $3,000 and $6,000 or more depending on the property and lender.

The good news is that most of these are one-off costs — and knowing about them early means you can factor them into your budget before you start making offers.

A Plaxo adviser can walk you through what to expect before you get to that stage.
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28/08/2026

Pre-approval is a great first step — but it's not the finish line.

Getting pre-approved means a lender has assessed your income, expenses, and deposit, and is willing to lend you up to a certain amount. It gives you confidence when house hunting — but it's not unconditional approval.

Final approval happens after you've found a property. At that point, the lender will also assess the property itself — and that's where things can sometimes change.

A few reasons final approval may differ from pre-approval:
✔ The property doesn't meet the lender's criteria — certain property types, titles, or conditions may affect whether the bank accepts it as security
✔ Your financial situation has changed — a new loan, job change, or shift in expenses between pre-approval and settlement can affect the assessment
✔ The valuation comes in lower than the purchase price — this can change your LVR and the amount the bank is willing to lend

Pre-approvals are also typically valid for around 90 days, subject to the expiry date and conditions stated in your approval letter.

Knowing this upfront helps you make offers with realistic expectations — and avoid surprises at the final hurdle.

A Plaxo adviser can help you understand what your pre-approval covers and what to watch out for along the way.
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25/08/2026

🏡 How Private Debt Became a Bank Loan

Not every home loan starts with a simple property purchase.
The clients had completed their family home but still had private debt from the land and construction stage. Their goal was to refinance this into a mainstream bank loan with a clearer repayment plan.

This was not a standard application. The lender needed to understand where the private funding came from, what it was used for, why the refinance was required, and how the new loan would be repaid.

Our role was to turn a complex background into a clear lending story.

We helped the clients clarify the refinance purpose, understand what supporting documents were required, and organise the information clearly for the lender’s review.

With the completed home available as security, the clients were able to move forward with a more structured loan arrangement.

✨ Sometimes, the right loan structure can help turn a complicated funding history into a clearer way forward.

Approval will depend on your personal situation and the lender’s assessment.

Call: 09 916 0116
Whatsapp：wa.me/64275558950
Email：[email protected]

24/08/2026

Still paying too much on your mortgage? 🏡

Interest rates are shifting — and now could be the perfect time to review yours.

We've secured access to a special 1-year fixed rate of 4.49% through one of our Chinese bank partners. It's competitive, it's real, and it could save you thousands.

Here's what we do for you:
✅ Compare rates across 20+ banks and lenders
✅ Find the best deal for your situation
✅ Handle everything — from application to approval

The best part? Our service is completely free to you.

📞 09 916 0116
🌐 plaxoitd.co.nz
📧 [email protected]
✉️WhatsApp: wa.me/64275558950
Rates and lending criteria apply. Subject to lender approval. This information is general in nature and does not constitute financial advice.

21/08/2026

What is interest-only repayment — and is it right for you?

Interest-only means you temporarily pay only the interest on your loan, without reducing the principal. Your repayments are lower during this period — but the loan balance stays the same.

For owner-occupiers, banks are generally more cautious about interest-only arrangements. It's usually considered for specific short-term situations — not simply as a way to reduce repayments long-term.

A few things worth understanding before you consider it:

✔ Interest-only periods are time-limited — typically 1–5 years for owner-occupiers, subject to bank approval
✔ When the period ends, your repayments will increase — you'll need to repay the same principal in a shorter remaining term
✔ Your total interest paid over the life of the loan will generally be higher — because the principal hasn't reduced
✔ Banks will still assess your ability to manage P&I repayments when the interest-only period ends

It can make sense as a short-term arrangement if you have a clear plan — but it's worth understanding the full picture before deciding.

A Plaxo adviser can help you work out whether interest-only suits your situation, and what the repayment change looks like when it ends.

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20/08/2026

A great day for the Plaxo team at Finsure NZ’s PD Day in Holiton.
It was a valuable opportunity to step away from the day-to-day, connect with fellow advisers and industry partners, and learn more about the changes shaping our industry.
One of our biggest takeaways was the impact of AI and technology on the future of mortgage advice.
At Plaxo, we see AI not as a replacement for advisers, but as a powerful tool to enhance the quality of our service, improve efficiency, and help advisers become even more professional and client-focused.
As our industry continues to evolve, continuous learning is essential. The more we understand new technology, regulation and market trends, the better equipped we are to provide the right advice and experience for our clients.
Thank you to Finsure and all the speakers and industry partners for a valuable and insightful day.
Keep learning. Keep evolving. Keep raising the standard of advice.

18/08/2026

🏗️ NZIBES 2026 — What an Amazing Two Days!

Last week, Plaxo Mortgages and SBS Wealth had a fantastic time exhibiting together across two booths at the 2026 New Zealand International Building Expo!

Over the two-day event, we had the pleasure of meeting builders, developers, property professionals, business owners, and members of the wider community. Many visitors came to speak with us about home loans, construction and development funding, commercial finance, KiwiSaver, and the different options available to support their property and financial goals.

A huge thank you to everyone who visited our booths, shared their ideas, and took the time to speak with our teams. It was also wonderful to reconnect with familiar faces and build new relationships across the construction and property industries.

We look forward to continuing these conversations and helping more people move forward with their property, development, and financial plans! 🏡✨

Address

Level One, 638 Great South Road, Greenlane
Auckland
1051

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+6499160116

Website

http://plaxoltd.co.nz/

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