Rapson Loans & Finance Ltd

Home
New Zealand
Tauranga
Rapson Loans & Finance Ltd

Call Directions Website Contact the business

We can help with all your mortgage and loans (residential, business, commercial, rural), insurance and investment needs.

We’re fully independent, with a solid reputation and over 50 years of experience in the industry, the team at Rapson Loans, Finance & Insurance are focused on helping you achieve your financial goals. At Rapson Loans, Finance & Insurance we are committed to providing the best solutions, we deliver tailor-made services that fit you and your situation. While we’re based in Tauranga, Bay of Plenty, we provide services throughout New Zealand. Financial decisions can be stressful, we’re here to help and we’re available when and when you need us, with prompt response times. Securing a mortgage can be a stressful time, so talk to us today about how we can help and take the pain away for you!

02/11/2026

If your fixed rate is about to end, Christmas is not the time to find out the hard way.

Quick one for anyone with a fixed mortgage rate ending before Christmas. Banks usually reach out about 60 days before your rate rolls off, but a lot of people miss it in their inbox or leave it too late to compare options.

Here's the timeline our adviser Jacques recommends:
✔️60 days out: start comparing rates.
✔️30 days out: lock in your decision.
✔️2 weeks out: paperwork sorted so you're not stressing over the holidays.

The best rate is not always with your current bank. It only takes one conversation to find out.

Know your rate is rolling off soon? Flick us a message and we'll run the numbers for you.

30/10/2026

If you disappeared from your business tomorrow, would it survive?

It's not a comfortable question, but it's an important one for any business owner. If you or a key team member became seriously ill, injured, or worse, would your business have the cash flow to keep going while things got sorted? Key person insurance is designed to protect your business against exactly that kind of loss, covering the financial gap while you find a replacement, cover lost revenue, or repay business debt.

Most business owners insure their equipment and their premises, but forget to insure the person the business actually relies on most.

Want to know if your business is exposed? Talk to our insurance team today.

28/10/2026

The RBNZ has just held the OCR at 2.75% in today's Monetary Policy Review.

If you're on a floating rate or coming up for a refix, this decision could shape what your repayments look like over the coming months. It's a good moment to check whether your current rate and loan structure still make sense, especially with one more OCR review still to come this year. Our team compares options across more than 50 lenders, so you're not stuck with whatever your bank offers you.

Whether you want to lock in a rate, restructure your lending, or just understand what today's decision means for you, we're here to help make sense of it.

Book a free chat with our team to see what today's OCR decision means for your mortgage.

23/10/2026

This Tauranga family switched lenders and saved $220 a month. Here's how.

When rates crept up, one of our Tauranga clients came to us wondering if they were paying more than they needed to. After comparing their existing loan against other lenders, we found a better structure and a sharper rate, saving them around $220 a month (figures illustrative). That's not loose change; it adds up to thousands of dollars over a year that can go towards other goals instead of interest.

If you haven't reviewed your mortgage in a while, there's a good chance there's a saving hiding in there for you too.

Want us to check if there's a saving in your loan too? Get in touch today.

21/10/2026

Every conversation this month has had one thing in common...

This month, almost every client conversation came back to the same thing: the cost of living. Grocery bills, insurance premiums and power bills all add up, and it's making people rethink their budgets in a way we haven't seen in a while. What's stood out to us is how many clients are getting ahead of it, refixing early, reviewing their insurance cover, or checking whether their loan structure still makes sense.

If rising costs are on your mind too, you're definitely not alone, and a quick chat can often uncover savings you didn't know were there.

Got a question about your own situation? Send us a message; we're happy to talk it through.

20/10/2026

"She is the best!" Another five-star review for Helen.

Nothing means more to us than hearing that our clients felt genuinely looked after. T. Stanescu recently shared how grateful they were for Helen's professionalism and knowledge throughout their mortgage and insurance journey. It's this kind of feedback that reminds us why we do what we do, taking the stress out of big financial decisions and making sure our clients feel supported every step of the way.

If you're looking for a mortgage or insurance adviser who genuinely goes above and beyond, our team is here to help.

Ready for the same level of support? Get in touch with our team today.

18/10/2026

Still think you need to apply at 5 different banks to get the best mortgage deal?

Think again.

It's common advice: shop around, apply everywhere, compare offers. But applying to multiple banks yourself can actually work against you, with separate credit checks and paperwork for each one. A mortgage adviser does that comparison for you, using one application that gets assessed against a whole panel of lenders. That means less admin for you, fewer credit enquiries on your file, and a broker negotiating on your behalf rather than you doing it solo.

Save yourself the paperwork and the stress. Talk to our team about one application, multiple lenders.

14/10/2026

Didn't know you could use your KiwiSaver as a deposit? Here's how it works.

Your KiwiSaver savings can be one of the most useful tools when it comes to buying your first home, but the withdrawal process trips a lot of people up. From checking your eligibility to submitting your withdrawal application to timing it with your mortgage approval, there are a few steps that need to line up.

Get it right, and your KiwiSaver can make a real difference to your deposit. Get the timing wrong, and it can delay your purchase at the worst possible moment.

Save this post for later, or message us to talk through your first home deposit.

25/09/2026

Two years running a successful business. Declined for a mortgage anyway.

Sarah and Mike run a landscaping business. Solid client base, steady bookings, three years trading. They went to their own bank feeling confident.

The bank said no.

Not because the business wasn't doing well. Because of how banks read self-employed income.

Most banks average your last two years of profit. Sarah and Mike had a strong second year, but year one included a one-off equipment purchase that dragged the "average" down on paper, even though it barely reflected how the business actually runs day-to-day.

To the bank's calculator, they looked risky. To anyone looking at the full picture, they were exactly the kind of clients most lenders want.

This is one of the most common and most frustrating reasons solid self-employed applicants get knocked back. It's rarely about whether the business is doing well. It's about whether the numbers are presented in a way the bank's system can actually read.

Jacques went back through their financials, worked with their accountant to reframe the one-off expense, and took the application to a lender with a servicing policy that matched how their income actually worked.

Six weeks later, Sarah and Mike settled on their first home.

Same business. Same income. Completely different outcome.

21/09/2026

Your $40/month premium today. Your $95/month premium in 10 years. Same cover. Nobody flagged it.

When you take out life or health insurance, the premium you start on isn't necessarily the premium you'll be on down the track.

There are two main ways insurers price this, and almost nobody explains the difference clearly at the time:

Stepped premiums start lower because the cost is based on your current age. Every year, the price ticks up because you're a year older, and the risk (on paper) is a little higher.

Level premiums cost more to begin with, but stay flat, or close to it, for years, sometimes decades.

Neither is "wrong." But which one you're on completely changes what your cover actually costs over time, and most people only find out by accident when a renewal notice lands and the number's a shock.

If you've had a policy for a few years and you're not sure which type you're on, it's worth five minutes to check.

When did you last actually check your premium type, or is this the first you're hearing stepped vs level is even a thing?

Address

Suite 7, 30 Willow Street
Tauranga
3112

Telephone

+6475771209

Website

http://www.rapson.co.nz/

Alerts

Be the first to know and let us send you an email when Rapson Loans & Finance Ltd posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.