Loan Maintenance

Life is constantly changing, and we are experts in helping to manage your home loan to assist you in adapting to these changes. If your current mortgage structure isn’t supporting your financial goals, we can offer solutions which include restructuring your lending or looking to other lenders who may be better suited to your needs.

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  • “Can’t recommend Jo Taylor enough for sorting your mortgage. As first home buyers she really helped us understand the processes and was always willing to talk. Can’t express how happy we are with the work she put in to get us across the line! Cheers Jo!”

    - Stuart Julian

  • “We couldn't recommend Natasha and the team at Lend any higher.We have used Natasha twice over the past 3 years, and each time have received fast communication, a professional manner and she has always gone above and beyond to make sure we have had the best possible service.Thanks again Natasha! ”

    - Courtney Paurini

  • “Thank you to the wonderful Natasha Viliamu for helping me purchase my first home! There are a lot of different things to consider when buying a home and Natasha was there every step of the way. Nothing seemed to be too much to ask. 10/10 recommend Natasha!!”

    - Alarna Stratton

  • “Jo Taylor was wonderful to work with. She made everything very simple and clear, taking the hassle and confusion out of dealing with the banks. I'll definitely come back to Jo when it's time to remortgage.”

    - Kelly Loney

  • “One year since we moved into our very own home! From our first visit to the sold sign going up on our new house was around two weeks and it definitely wouldn't have been possible without the kind help and support from Natasha and team. Highly, highly recommend. Thank-you!”

    - Liah Hughes

  • “Awesome experience with our broker Jo Taylor. She managed to get us a fantastic rate, far lower than the public one! She always answered our emails and phone calls during the day. Jo took time to explain to us the bank system in New Zealand which is different from our country of origin. She was always incredibly kind and supportive during stressful moments and especially when some surprises arise from LIM and Building reports. I have been impressed by her involvement with our lawyer during the six months we needed to find and secure our dream house.”

    — Johann Cornet

  • “Natasha is a super star! Professional and hardworking we are really happy with the way things have gone I can’t think of anything that would fault her service and how much Natasha has helped us over these last few weeks in the purchasing of our first home. We are so grateful!”

    — Jessica Lay

  • “My dream of owning my own home in New Plymouth was about to fall along the wayside until I contacted Jo. I needed bank finance yesterday! Thanks to good advice and excellent service Jo got me across the line. I am now a homeowner and I couldn't be happier. I can highly recommend the services of Jo Taylor.”

    — Sherianne Taingahue

  • “Thank you to the wonderful Natasha Viliamu for helping me purchase my first home! There are a lot of different things to consider when buying a home and Natasha was there every step of the way. Nothing seemed to be too much to ask. 10/10 recommend Natasha!!”

    — Alarna Stratton

  • “After struggling to navigate the first home financing process ourselves, Jo was an encouraging breath of fresh air. From our very first meeting, she put us at ease with her confidence and professionalism. She took the time to get an accurate picture of our situation, and was our number one 'go-to' person with any question along the way. She was genuinely invested in our success; it was fantastic to have her consistently working hard on our behalf to secure us the best deal. We would recommend her to anyone looking for supportive, personable and efficient services.”

    — William Isbister

  • “Natasha was great to deal with. Even though I never met her in person she was a great communicator on the phone and via email. I was turned down initially by a major bank when I was battling away by myself and Natasha managed to get me a Welcome Home Loan with Co-Operative Bank. Even with only a 10 percent deposit as well. I simply would not be a home owner without Natasha! Thanks very much.”

    — Guy Honnor

  • “Can’t recommend Jo Taylor enough for sorting your mortgage. As first home buyers she really helped us understand the processes and was always willing to talk. Can’t express how happy we are with the work she put in to get us across the line! Cheers Jo!”

    — Stuart Julian

  • “Natasha Viliamu has just organised the mortgage and insurance for my son purchasing his first home. Natasha was amazing - she made everything smooth going and stress free and really knows what she is doing. Nothing is too much trouble for Natasha and she went the extra mile to get everything sorted out. I would highly recommend Natasha!!”

    — Andrea Collins

  • “I would highly recommend Jo Taylor, she really streamlined the process of buying a house for us!”

    — Annabel Shaw

  • “Natasha was great from beginning to end! She did exactly what we needed, the way we needed it, at the right time. She made the chaos understandable; guided us over rough terrain; kept an eye out for us in places we wouldn’t have known to look; and consistently met our questions with patience and know-how. Natasha is an awesome mortgage broker and we would recommend working with her in a heartbeat and will continue to use her for future ventures.”

    — Hannah Bailey

  • “Jo Taylor was so incredible to deal with. Super professional and kept us up to date with every move. Highly recommend!”

    — Annalee Muggeridge

  • “Natasha was very friendly and answered in depth with any questions I had. Was awesome to deal with and made things so simple to understand and made the whole process smooth and easy. Always quick to reply and worked very hard for the best financial option available.”

    — Reuben O'Neill

  • “Jo helped us so much with the purchase of our first home. She worked above and beyond to make sure we knew the steps to take. She was extremely helpful and we would recommend Jo to anyone looking at buying a home.”

    — Kylie Lashford

  • “One year since we moved into our very own home! From our first visit to the sold sign going up on our new house was around two weeks and it definitely wouldn't have been possible without the kind help and support from Natasha and team. Highly, highly recommend. Thank you!”

    — Liah Hughes

  • “Jo made the whole process easy. She was easy to talk to and saved me a bunch of time during a very busy period at work (in which I'd otherwise we busy rushing off to meet with banks).”

    — Evan Chamberlain

  • “Jo Taylor was awesome, hardworking, professional and really cool! We wouldn't have got our house without her help! Highly recommend her services. Thanks Jo!”

    — MRT

  • “Jo Taylor worked really hard to find us a great deal with our home loan refinancing, we couldn't be anymore happier with the service we received. Thanks Jo for all your hard work, we greatly appreciate it :-)”

    — Jonny Vesseur

  • “We were recently referred to Jo Taylor for our mortgage needs and couldn’t have been happier with the end result. She went above and beyond to make sure we got the house we really wanted ! Excellent communication, explained everything really well as we were complete novices. Would definitely recommend Jo.”

    — Michelle Mills

  • “After being declined from 2 different banks I thought there was no hope. A friend had recommended me to come and see Jo. I wish I had done this in the first place! She is truly amazing at what she does and has a great balance of professionalism and wanting the best for you! Nothing was a hassle for Jo and she got us approved with the bank and into our first home. Thanks so much Jo you are AMAZING!!!”

    — Moana Maaka-Katene

  • “Getting declined from a bank is never a nice feeling.....not knowing what to do next, feeling stuck. Jo Taylor was highly recommended to us. Jo was a pleasure to work with, she always kept us updated and was honest about what options would suit us best. She made the entire process so easy. In the end we all got the results we wanted and we are so grateful. Thank you very much Jo for helping us to own our dream home. We couldn’t be more happier and this would not have been possible without you.”

    — Hailee Tuhakaraina

  • “We are a young couple and really appreciated the great professional service provided by the lovely Jo. She listened to what we were after and explained everything in a simple and easy way so that we both understood. Jo was very prompt getting back to any questions via email which worked out great for us both working full time. Thanks for going the extra mile Jo!”

    — Holly Day

  • “Jo Taylor was wonderful to work with. She made everything very simple and clear, taking the hassle and confusion out of dealing with the banks. I'll definitely come back to Jo when it's time to remortgage.”

    — Kelly Loney

  • “Can’t be more thankful for the hard work Jo put into helping me achieve my dream of owning my own home! Can confidently say it wouldn’t have happened without her help! Thank you so so much for everything Jo!”

    — Monique Titter

  • “My partner and I were lucky enough to have worked with Jo Taylor - we found her hardworking, professional and really easy going. We wouldn't have been able to get our house without her help! Thank you Jo!”

    — Moerangi Tamati

Fixed Rate Expiry

If your existing loan’s fixed rate is coming up for renewal, we are happy to help you and discuss what structure will best suit you and your needs.

If you need to re-fix or restructure your loan then get in touch with us and we’ll give you expert advice at no charge.

Debt Consolidation / Top-up

Consolidating debt means taking out a new loan to wrap up all of your debts into one loan so you can pay them off at once – ideally at a lower interest rate so you can get out of debt faster. We can help you do this to save money and simplify life. If you’re looking to buy a new car or need money for your wedding or holiday, we can do the figures and apply for a top up for you.

Refinance

There can be many reasons to want to refinance your existing lending, and whatever your reason is, we can help.

Just like with a new lending, we can look at more than one lender for you and work with you to put together and application and send this away.

When looking to refinance, there are a few important points to consider which can help with deciding if this is the best option for you, and even the best timing to do so.

You may have some extra costs to consider: 

Fees such as loan break fees – your current bank will be able to advise you on this as they need to take into consideration your current loan balance, the interest rate and the time remaining on your fixed term.

There may be an application fee from the bank, this will be noted on approval.

Legal fees may apply for your solicitor to finalise your loan documents.

Cash incentive repayment – if you settled your loan within the last 3 years, and you received a cash incentive from the bank, you may have a portion of this to repay.

When is the best time?

You can refinance anytime, but it is often best when fixed terms expire or if you have increased your home's equity. If you refinance while your current loan is still fixed, this is where you may incur a break fee.

Negotiation with your current bank

You are able to negotiate retention cash or rates with your existing bank if you are unhappy with them. 

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