Existing home buyers

Mortgages for existing home owners

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We are the specialists in getting you a mortgage in the Auckland marketplace

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Why are we Auckland mortgage specialists?

As the Holden is to Henderson and the Porsche to Parnell, there is no separating the Go2Guys from Auckland. We work, play and own property here and we’ve helped hundreds of clients buy their own patch of this great city. FIND OUT MORE

If you’re thinking about your next move, talk to us about how you can make the most of buying and selling in Auckland.

Thinking of selling? Why it might be better to buy first.

Have you considered that if you sell first in Auckland, you may end up at the mercy of the rising market when you buy? It could take 6 months to find a new place only to discover the prices have moved up, or even out of reach. Or if you buy first and sell second, you’ll often make more money, but then there’s the issue of bridging finance… What’s the best strategy for you? We can talk you through the buying and selling (or selling and buying) process to find the best plan of attack for you.
Ask us about where to start.

Characteristics of the Auckland marketplace

Whether you’re a first home buyer or property pro, you’ve got to be savvy and quick-off-the-mark in this tricky Auckland market. A good understanding of the market will help you identify the right areas and properties to look at, but developing that knowledge takes time. Luckily for you, we have a few tips to get you started. FIND OUT MORE

  • It’s rising.

    Recognise that you’re buying into a rising market – great if you’ve got a property to sell, but challenging if you’re a first time buyer!

    Our Advice: Be realistic about what you can afford. Do your sums before you start your search and flexible on what kind of property you buy.
  • It’s growing.

    As Auckland’s population grows, the city is spreading out – fast! There are new communities popping up all over the region, particularly in the north, south and north-west.

    Our Advice: Keep your eyes peeled and your mind open to areas you haven’t considered (or heard of!) before.
  • It’s changing.

    What was an undesirable suburb 10 years ago, may well be out of your price range today. Even ‘up and coming’ suburbs often have a price tag that is out of reach for first home buyers.

    Our Advice: Be flexible about the kind of house you buy – if you have to choose between a great location and the ‘perfect house’, location will make you more money in the long run.
  • It’s competitive.

    Found the right property? You’ll need your wits about you to make it yours.

    Our Advice: Make sure your home loan is pre-approved and have an efficient, thorough and reliable building inspector and lawyer on speed dial.
  • Properties are going, going, gone!

    Auction is the most popular way to sell in Auckland, but this can be challenging even if you’re a seasoned buyer.

    Our Advice: Actively seek out properties that are for sale by negotiation. If you have to bid at auction, make sure you’ve done your homework and finance is ready to go. This exercise will give you clarity on what you top bid can be, which will give you much more confidence on auction day.

Want to get prepared? Ask us about your mortgage options.

Where you do you want to live in Auckland?

Epsom? Titirangi? Cockle Bay? Takapuna? There’s probably that one suburb that’s always held your heart – but is it really feasible to buy there? Figuring out just what you can afford is all part of the process. FIND OUT MORE

Flexibility fuels success.

Whether you’re looking to move up the ladder or invest, it pays to loosen the leash a little on your search criteria, especially in a rising market like Auckland. Buying is tough no matter how long you’ve been on the ladder. It pays to work through what’s most important to you in terms of location and property type and decide where you could be flexible. A very fixed idea of what you want and where it should be will lower your odds of buying successfully. Even more important is having a good grasp on how much you can borrow and what you can afford to repay. This will often shape your property search, so it can save you a lot of time if you do this upfront. And that’s our job. As mortgage brokers, we’re there to help you work through your budget and give you as much flexibility and buying power as possible, so you can make your next move simply.

Let us help smooth the process – we’re ready when you are.

We make it easy for you


  • Give us a call us today if you have any other questions 0508 462 489

Circumstances changed? We make it easy for you to upsize or downsize

Despite all the planning you do, life certainly has a way of taking control… Circumstances change and the place we call home can often need a change as well.
Want to go bigger? Is the pitter patter of little feet forcing you to think about a bigger place? Maybe you’ve simply outgrown your first home or need space for family to stay? Perhaps you want an investment on the side or crave a getaway to escape to? Or maybe you’ve made the decision to be in a certain school zone – we know that, here in Auckland, school zones influence home buyers more than anywhere else in New Zealand!
Looking to downsize? Maybe the kids have finally bolted, you’re retiring, or you just want to free up some of that capital in your home. You’ve got the idea, but how do you make it a reality? If you’re wondering ‘Can I do this and still end up in a good position financially?’ or ‘Where do I even start?’ we can help you get clarity on what your goals are, and what’s realistic and affordable for you to do. So, let’s have a chat – give us a call, or drop us a line.

Renovation – Looking to renovate your existing property?

You may have been planning to knock walls down, demo the kitchen and add a deck from the first day you walked in the door, but these things often take a while to come to fruition – mainly because of money! Even if it feels like it’s time for a change, weighing up the costs and benefits involved is the most critical thing you can do. If you’re wondering ‘Can I afford it?’ or ‘Should I do it?’ we can help you figure out the answers.

Move or improve?

In the Auckland market, if you’re in a good suburb it will probably be more affordable to renovate than to try and buy a more swanky pad. That’s because we’re living in a rising market and you’ll probably have more control on what the final cost is in renovating, than if you bought another house (which you may well want to renovate anyway!). Another big consideration is how far you go with your renovations. How much value will they add? It’s a fine balance, and you may risk overcapitalising.

We’ve helped many customers through renovations big and small, and we can give you a solid idea of what’s possible, and even where your money might be best spent. Why not give us a call?

Family – Want to help your kids into their first home?

With the Auckland market speeding away and leaving many first home buyers floundering in its wake over the last few years, more and more parents are getting on board to help their kids out. If you’re in a position to do it, good on you. It may even be more possible than you think. The equity you have off the rising market can make it pretty comfortable to achieve. Why not give them a great start in the market and set them up for a solid future in property ownership? But before you grab the cheque book, there are a few things to think about.

How do you want to help?

By gifting money

If you’re feeling particularly generous, you can gift money towards a deposit. The gift doesn’t have to be for the full deposit, it could cover the difference after any cash your child has from KiwiSaver or their own savings.

By providing a loan on favourable terms

The Bank of Mum & Dad is usually a little more flexible than their corporate counterparts. You can set up a loan to your kids on terms that suit you. Perhaps it’s structured where nothing is repaid until the property is on-sold in future, a kind of version of a gift. Or perhaps repayments of interest or principal are required – this will affect how much the bank will lend the kids, but can still be a very helpful boost to their deposit.

As a guarantor

This means using the equity in your home to make up the deposit for the property your child wants to buy. For example, they might have 5% cash, plus a guarantee equal to 15% from you. Learn more about going guarantor and the possible risks.

Buying an investment property your kids will benefit from

Buying a rental property can be a great little nest egg to crack open when your kids get to the point that they want to buy a place. If you’ve got a bit of time before your kids will be asking for a hand, it could be a profitable strategy.

It all comes down to where you’re at, and figuring out what will work best for you and your family. So have a talk to us – we’ve helped many clients plan for their, and their children’s future!

Investment – Does buying a newly built home make it easier to get in the market?

If you are investing in Auckland, it absolutely does. Why? Well, no matter whether you’re planning to live in or rent out the property, the deposit required for new build finance is only 10%. Compare that to the enormous 30% deposit you need to buy an investment property in Auckland, and buying new is a clear winner!

With $80,000 in cash or equity as a deposit, you’ll have up to $800,000 to purchase with. Just remember though if you’re looking at apartments, a 15% deposit is required.

So how do I start my investment journey?

You need to know how much you can borrow first – so talk to us. Then you’ll need to find a reputable building company.

We can help with that too. We regularly work alongside Rob East from Mike Greer Homes, and he can fill you in on all the options in your price range.

“Buying brand new as an investment is win-win – a lower deposit, and a fresh new property with higher rent and much less maintenance,” says Rob.

Want to see if you can get into the investment market with new build finance? Give us a call.

Weighing up one of the biggest decisions of your life? We’ve got your back. Read More

Circumstances changed? We’ll make it easy for you to take the next step. Read More

Want to know how much you can afford to borrow? We can help. Read More