Rapson Loans & Finance Ltd

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!

08/09/2026

Spring's here. So... where are you at with your property plans?

Spring in the Bay always brings the same energy: more listings, more open homes, more "just having a look" turning into "actually, maybe."

So we're curious:
🏡 Are you actively buying right now?
🏗️ Are you building?
👀 Or are you just browsing, seeing what's out there before you commit to anything?

No wrong answer here; even "just browsing" is a great place to start a conversation about what you could do if the right place came along.

"We will forever be grateful for them both."Nothing beats hearing this straight from a client.This is exactly why we do ...
04/09/2026

"We will forever be grateful for them both."

Nothing beats hearing this straight from a client.

This is exactly why we do what we do. 💛

The OCR has just been announced; here's what it means for your mortgage.The Reserve Bank has just raised the OCR to 2.75...
02/09/2026

The OCR has just been announced; here's what it means for your mortgage.

The Reserve Bank has just raised the OCR to 2.75 %.

If you're on a floating rate or coming up for a refix, this decision could affect your repayments in the months ahead. Right now is a great time to check whether your current rate and loan structure still stack up, especially with rates expected to keep shifting through the rest of 2026.

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.

Loyalty doesn't get you the best rate. Asking does.Rates move. Banks change their offers. Your loyalty doesn't earn you ...
31/08/2026

Loyalty doesn't get you the best rate. Asking does.

Rates move. Banks change their offers. Your loyalty doesn't earn you the best deal; it just means you're less likely to ask.

We recently helped a Mount Maunganui couple save over $3,000 a year just by switching lenders- same loan, same house, better rate.

Takes 15 minutes to find out if you're one of them.

It's 11 pm. You're "just having a look" on Trade Me Property. Again.You know the one. You're lying in bed, telling yours...
27/08/2026

It's 11 pm. You're "just having a look" on Trade Me Property. Again.

You know the one. You're lying in bed, telling yourself you're "just browsing," and somehow forty minutes later you've saved twelve listings, zoomed into every kitchen photo, and mentally moved the couch into a house you haven't even seen in person.

Then morning comes, and the doubt creeps in: can we actually afford this? Do we even know where to start? Are we ready, or just dreaming?

Here's the thing: almost everyone who's bought a first home has had that exact same spiral. The scrolling isn't the problem. Not knowing your numbers is.

That's the part we can actually help with, so the scrolling turns into a plan, not just a 2 am rabbit hole.

Let's turn the late-night scrolling into an actual plan.

Most business owners find out too late.We work with business owners across the Bay of Plenty, and the same gaps keep com...
27/08/2026

Most business owners find out too late.

We work with business owners across the Bay of Plenty, and the same gaps keep coming up.

Most business insurance policies are set up once, at the start, and never looked at again. Meanwhile, the business has grown, changed, taken on staff, moved premises...

A 30-minute conversation could save you from a very expensive surprise.

Reach out anytime!

25/08/2026

If you couldn't work tomorrow, who would pay your mortgage?

Nobody plans on getting sick. Nobody plans on the accident, the diagnosis, the thing that stops you working for 3, 6, 12 months.

But your mortgage doesn't pause. Your power bill doesn't pause. Life doesn't pause.

We talk to Bay of Plenty families every week who've never actually asked themselves this question until something happens and it's too late to ask.

Personal insurance isn't about expecting the worst. It's about making sure your family's okay if it does.

Let's have the conversation before you need to.

He almost didn't bother taking out cover. Then he needed it.A few years ago, a Tauranga dad we work with had a health sc...
19/08/2026

He almost didn't bother taking out cover. Then he needed it.

A few years ago, a Tauranga dad we work with had a health scare that took him out of work for 4 months. No warning, no time to prepare.

Because he'd taken out income protection two years earlier, almost as an afterthought, his family didn't have to touch their savings, sell the car, or worry about the mortgage.

He told us afterwards: "I almost didn't bother. Best decision I never thought I needed to make."

We hear this more than you'd think.

Not sure if you're covered properly? Let's check.

Buying your first home is a huge milestone, and it should feel exciting, not overwhelming.We loved working alongside Zuz...
18/08/2026

Buying your first home is a huge milestone, and it should feel exciting, not overwhelming.

We loved working alongside Zuzana and her partner to help them get into their first home. Here's what they had to say about working with Tristan and the team:

"We can't thank Tristan and his team enough for helping us secure the mortgage for our first home. From start to finish, they were professional, knowledgeable, and incredibly supportive throughout the entire process. They took the time to answer all of our questions and kept us informed every step of the way. We truly appreciated their dedication and excellent communication. Thank you again for helping us achieve our dream of owning our first home!" — Z.Povazanova

This is exactly why we do what we do 💙

Ready to start your own first-home journey?

Your bank will never tell you this.Your bank is not your financial advisor; they're a business, and their job is to make...
12/08/2026

Your bank will never tell you this.

Your bank is not your financial advisor; they're a business, and their job is to make money from you, not for you.

We work with lenders across NZ, not just one bank, which means we find you the best deal, not just the deal that's easiest for them.

Swipe through for 5 things banks rarely bring up and drop a 🙋 if you've never actually renegotiated your rate.

Address

Suite 7, 30 Willow Street
Tauranga
3112

Telephone

+6475771209

Website

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