⭐️⭐️⭐️⭐️⭐️ Google Reviews • $2Billion in Settlements • 2000+ Happy Clients
Get 1.5% Cash Back on New Lending
That's up to $30,000 in cash!
Lending and equity conditions apply, revolving credit facilities are not eligible.
Fill out the form below to see if you qualify:
What clients say about us
Star mortgages are great to deal with, my Financial Advisor Kc Yang was awesome, very professional and responsive.
Her effort, diligence and support was second to none. Kc got me a great outcome with my new mortgage. So much better than my previous broker.
Kc made every effort she could to get the right outcome, she never over promised and always worked hard behind the scenes.
I would highly recommend Kc and the team at Star Mortgage for anyone looking for first time mortgage or refinancing.
Vyv Stanborough
We had the pleasure of working with Eric Hao from Star Mortgage, and we can confidently say that he is one of the best financial advisors we’ve ever encountered.
From the very beginning, Eric demonstrated a level of honesty and integrity that immediately put our minds at ease.
We wholeheartedly recommend Eric to anyone seeking a knowledgeable, reliable, and genuinely caring financial advisor.
His commitment to his clients is second to none, and we are incredibly grateful for all his help.
Alice Apikotoa
Frequently Asked Question
What does the borrowing process with Star Mortgage look like?
The borrowing process with Star Mortgage is designed to be straightforward and efficient. It starts with an initial consultation where we assess your financial situation and homeownership goals.
Our team will guide you through the necessary documentation, including income verification and credit assessments. Once we identify suitable loan options, we’ll submit your application to lenders on your behalf.
After approval, we’ll assist you through the settlement process, ensuring a smooth transition into your new home.
Can I use KiwiSaver to buy my first home?
Yes, you can use your KiwiSaver funds to help purchase your first home in New Zealand! The KiwiSaver HomeStart Grant allows first home buyers to withdraw your savings to cover the deposit or associated costs. Depending on how long you’ve been contributing to KiwiSaver, you may be eligible for a significant portion of your savings, which can make your journey to homeownership much more accessible. Our experts at Star Mortgage can help you understand the specifics and guide you through the process.
How long does it take to get finance?
The time it takes to secure finance can vary, but at Star Mortgage, we aim to streamline the process. Typically, you can expect loan approval within 10 working days, depending on the complexity of your application and the lender’s requirements. For straightforward applications, such as first home loans, approvals can often happen within 10 working days. Our team is dedicated to keeping you informed every step of the way to ensure a smooth experience.
When does the deposit get paid?
The deposit for your home loan is usually paid once your purchase agreement is signed and the sale is unconditional. This typically occurs after your loan application is approved and prior to the settlement date. The deposit amount is commonly around 10% of the purchase price, but this can vary depending on your agreement with the seller. At Star Mortgage, we’ll guide you on the timing and ensure you understand all the steps involved in the payment process.
How much deposit do I need for a home loan?
The deposit required for a home loan in New Zealand generally ranges from 10% to 20% of the property’s purchase price. However, first home buyers may be eligible for lower deposit options through various government schemes and incentives, such as the First Home Grant and KiwiSaver withdrawals. At Star Mortgage, we’ll work with you to determine the best deposit strategy based on your financial situation and help you navigate your options to make homeownership more attainable.
Get 1.5% Cash Back on New Lending
If you're looking to buy your first home, or refinance you may be eligible for a 1.5% cashback offer. Conditions apply, fill out the form and we'll get in touch.
