Rapson Loans & Finance Ltd

Home
New Zealand
Tauranga
Rapson Loans & Finance Ltd

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, w

e 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!

20/05/2026

He ran his own business. Earned good money. Had no income protection. Then he had a heart attack at 47.

Mark had built something real. A solid business, a mortgage nearly paid down, a family who depended on him.

When he had a heart attack at 47, he was off work for four months. No sick leave. No employer cover. Just a mortgage that didn't care why the payments had stopped.

He came to us after, thankfully not too late, and we put trauma cover and income protection in place. Six months later, he had a second health scare. This time, the cover paid out.

His mortgage repayments kept going. His family stayed in their home. His business survived.

The monthly premium? Less than his Sky subscription.

💬 When did you last actually check what you're covered for, if anything at all?

19/05/2026

Most homeowners don't realise they're sitting on one of the most powerful debt management tools available, their own home equity. 💡

Consolidating high-interest debt into your mortgage at a much lower rate can meaningfully reduce your monthly outgoings, but only when it's structured correctly (you don't want to turn a 3-year debt into a 30-year problem).

This is the kind of conversation your bank probably won't start. We will.

💬 Are you juggling multiple debts on top of your mortgage right now? This one's worth a conversation.

14/05/2026

The second bedroom is the office. The office is the nursery. The nursery is chaos. Sound about right?

You've been putting off the upsize conversation because you assume it's not possible right now, with rates, prices, and the hassle of selling and buying at the same time.

But here's what a lot of Kiwis don't realise: if you've owned your home for a few years, your equity may have built more than you think, even in a flat market. And with prices still well below their 2021 peaks in many areas, the gap to your next home could be smaller than it was two years ago.

The upsize conversation isn't just "can we afford the new mortgage?" It's about structuring the whole picture: current equity, the transition between selling and buying, new repayments, and making it as seamless as possible.

That's a conversation we have every week. And more often than not, people are surprised by how possible it actually is.

🏡 If space wasn't an issue, what would your ideal next home look like?

13/05/2026

Fixed or floating? Most Kiwis pick the same one their mate did. 😅

Here's the thing: there is no universal right answer. It depends on your income, your timeline, and what you think will happen to your life in the next 12–24 months. Getting it wrong doesn't just mean a slightly higher rate; it can mean break fees, lost flexibility, or being stuck when circumstances change.

👉Swipe through for the real framework, and then tell us: what are you currently on?

12/05/2026

Nobody talks about this. But thousands of Kiwis face it every year, and most have no idea what their options actually are.

When a relationship ends, and a mortgage is involved, the financial questions come fast and are overwhelming.

Can I keep the house on my income alone? Does my ex have to agree to anything? What does "buying someone out" actually involve? What happens to the joint loan?

These are real, practical things that need real answers, and they're far more complicated than most people expect when they're already going through one of the hardest times of their lives.

You don't have to figure this out alone. Just start with a conversation.

💬 Have you faced this or know someone who has? What was the most confusing part of the mortgage side of things?

08/05/2026

From the very first conversation to handing over the keys, our team guided them through every step of securing their first NZ home, cutting through the confusion so they could focus on the exciting part.
This is exactly why we do what we do.

Thinking about buying your first home in NZ? Let's make it feel that simple for you, too.

07/05/2026

You saved your deposit. You found the house. You thought you were ready. Then, the settlement week arrived.

Legal fees. LIM report. Building inspection. Valuation. Moving costs. Council rates adjustment at settlement.

Most first home buyers are blindsided by at least one of these, and in NZ, you could easily need an extra $10,000–$20,000 on top of your deposit just to reach settlement day without stress.

Nobody puts this on a poster. Nobody tells you at the open home. And most banks aren't walking you through it either.

Part of what we do at Rapson is to have this conversation early, before you make offers, so settlement day is a celebration, not a panic.

🤔 Were you surprised by any hidden costs when you bought? What caught you off guard?

06/05/2026

"Just go to your bank, that's what we did." (Your parents were wrong. Don't tell them we said that.)

Mum and Dad bought their home in a completely different lending world. One bank. A handshake. Done.

In 2026, that approach could cost you tens of thousands of dollars, or cost you the house altogether.

Debt-to-income ratios. Multiple lender options. Cashback structures. Fixed vs floating strategies that depend on your specific situation. Products that didn't exist 20 years ago, and criteria that will trip you up if you walk in unprepared.

The mortgage market has transformed. The good news? Getting the right advice has never been easier or more accessible. One conversation with an independent broker can change the entire outcome.

💬 What's the most common money advice you got growing up?

24/04/2026

Global conflict… and your mortgage? Yeah, they’re connected.

Right now, Kiwi confidence is dropping fast, and it’s already starting to shift the property market. But here’s the twist… uncertainty doesn’t just bring risk; it also creates opportunity.

If you’re thinking about buying, refinancing, or just trying to make sense of what’s happening, this is worth a read: https://bit.ly/4d2U05i

21/04/2026

The rate cycle has turned. Here's the honest picture and how to protect yourself.

If you've noticed fixed mortgage rates creeping up lately, you're not imagining it.

In the past few weeks, Westpac, BNZ, and ANZ have all raised their fixed home loan rates, some by as much as 30 basis points.

Why is this happening?

It's not the OCR. The OCR is still sitting at 2.25%. The driver is wholesale swap rates, the behind-the-scenes market that determines what banks actually pay to fund fixed mortgages. Swap rates have surged sharply in recent weeks, and banks simply can't absorb that cost. When swap rates rise, fixed mortgage rates follow even without an OCR move.

What does this mean for you?
📌 If you're due to refix in the next 3–6 months → the window to lock in lower rates is narrowing. Don't wait.
📌 If you're on a floating rate → now is a good time to review your strategy with an adviser.
📌 If you're not refixing soon → no panic, but stay informed and keep in touch with your adviser.
📌 If you're buying soon → get pre-approval done now, before rates move further.

The good news: even with these rises, rates are still far lower than their 2023 peak of 7.5%. Most people currently refixing are moving from those painful high rates onto terms in the mid-4% to mid-5% range, still a meaningful saving.

The question is no longer "will rates fall further?" It's "how do I lock in the best deal before they rise more?"

If you're unsure what to do in this environment, send us a message. Our advisers will walk you through your options with zero obligation, and we work across 53+ lenders to find the best deal for your situation.

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.

Contact The Business

Send a message to Rapson Loans & Finance Ltd:

Shortcuts

Want your business to be the top-listed Finance Company in Tauranga?