Kia ora, I'm Zane, a Loan Market mortgage adviser based in Mangawhai, helping clients throughout New Zealand.
I help homeowners review their mortgage and plan their next steps, with a particular focus on refinancing and larger home loans. I also help first-home buyers, people moving home, and self-employed borrowers.
Whether you're approaching a fixed-rate expiry, reviewing your loan structure or considering a change of lender, we'll start with your current situation and what you want to achieve.
New clients considering refinancing can book a free 30-minute Refinance Strategy Consultation on Zoom. We'll discuss your lending, fixed-rate expiry dates and goals, and whether further assessment would be worthwhile. There's no obligation to change lenders.
Choose the appointment that suits you below. If you're already a client, select Loan Review & Maintenance for a review of your existing lending.
This 30-minute Zoom meeting is for talking through your mortgage goals, current position and the options that may be available. Whether you are buying, building or exploring another lending need, we’ll work out the next steps together.
Before we meet, I’ll review your booking answers and carry out preliminary calculations or property checks where useful. Approximate figures are fine. Please label each applicant’s income and circumstances separately.
If you appear ready to apply, I may send a fact-find and tailored document request beforehand so we can use the meeting to work through the application and outstanding items. If you haven’t finished everything, keep the meeting and we’ll work through what we can.
Have your income, deposit/equity and debt details handy. Your partner or co-borrower is welcome to join using the same Zoom link.
You should leave with a clearer understanding of your options and a practical next step. Detailed loan structure discussions usually happen once approval is in place.
There is no charge for this meeting.
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In our situation, we have our business and home accounts and the bank we were with not only weren’t giving us very good customer service with regards to lending, it wasn’t the best bank for business either. Not only are we set up well with the home lending side with Zane on our side, we are well set up with the business with a dedicated business manager at the bank that understands us and gives us great customer service.
We also saved money in getting better rates, we came out with a huge cash back from the new bank, as well as getting more money to fully renovate our kitchen and bathroom, which we were struggling to get through our own bank. All of which Zane negotiated, and applied for us.
There was a lot more to it than we thought, but Zane made it easy and explained the process upfront so there were no surprises. Our financial situation is much better, as well as our renovated house. I highly recommend Zane to anyone looking to do the same.
Scott and Emma Botherway
Refinancing our home loan
Zane’s approach was completely different - he heard our case and what we still had to do: proof of income from contracts, money for deposit still overseas, etc. And worst - less than 2 weeks to meet the finance condition.All I can say is, we got the house. In just over a month, we went from offer to settlement. In less than 2 weeks we went from “give up, you can’t do it” to all the conditions met, with time to spare. All because my solicitor told me - before you give up, call Zane.
We are really happy and really, really grateful to his help during the hole process. And the funny part, we only finally met to structure the loan - he did all the work over the phone and through emails.
I already gave Zane's contact details to everyone I know is looking to buy. He is definitely the best.”
Ronaldo and Marcia Santana
We've been turned down even by our own bank...
