Your Financial Journey, Our Expert Guidance
Explore our services
At Life-n-loans, we are dedicated to providing clear, tailored financial solutions to help you achieve your life’s ambitions. Whether you’re stepping onto the property ladder, taking control of your personal finances, or fuelling the growth of your business, we are here to help you navigate the complexities and find the right path for you.
Mortgages
Your Partner in Property Financing
Securing the right mortgage is the cornerstone of your property goals. Our advisers work for you, not the banks, ensuring you get independent advice and access to a wide range of lenders to find the most suitable and competitive home loan.
First Home Buyers: Let us turn your homeownership dream into a reality. We’ll guide you through every step, from understanding your borrowing power and KiwiSaver HomeStart grants to navigating the application process with confidence. We simplify the jargon and empower you to make informed decisions for your first home.
Refinancing & Rate Fixing: Is your current mortgage still the best fit for you? We can review your existing loan to potentially secure a better interest rate, reduce your repayments, or unlock equity for other goals. Let’s ensure your mortgage continues to work for you.
Investment Property Loans: Grow your property portfolio with our strategic investment loan advice. We’ll help you structure your finances to maximise your returns and build long-term wealth through property investment.
New Construction Loans: Building your dream home? Navigating construction loans can be complex. We specialise in securing finance for new builds, ensuring a smooth process from the initial deposit to the final drawdown.
Top-Up & Renovation Loans: Unlock the potential in your current home. Whether you’re planning a major renovation or need to top-up your mortgage for other significant expenses, we can help you access the equity you’ve built.
Business Finance
Fuelling Your Business Growth
Every business needs the right financial support to thrive. From start-ups to established enterprises, we offer a range of business financing solutions to help you seize opportunities and achieve your commercial objectives.
Business Loans: Secure the capital you need to grow your business. We can assist with applications for a variety of business loans, whether for expansion, new equipment, or working capital.
Asset & Equipment Finance: Acquire the assets your business needs to operate and grow without tying up your cash flow. We can arrange finance for vehicles, machinery, and other essential equipment.
Commercial Property Finance: Whether you’re looking to purchase your own premises or invest in commercial real estate, our advisers can secure the right financing for your commercial property ambitions.
Trade Finance: Improve your cash flow and manage your working capital effectively. We offer solutions like trade finance to support your import and export activities.
Personal Finance
Empowering Your Financial Wellbeing
Take charge of your financial future with our personalised advice. We’re here to help you manage your money effectively, overcome debt, and build a secure financial foundation for you and your family.
Personal Loans: For life’s planned and unplanned events, a personal loan can provide the necessary funds. We’ll help you find a loan with competitive rates and flexible terms to suit your individual circumstances.
Vehicle Financing: Ready for a new car, boat, or motorbike? We can arrange competitive financing to get you on the road or water sooner. Our team will compare loan options to find you a great deal with repayments that fit your budget.
Debt Consolidation: Feeling overwhelmed by multiple debts? We can help you streamline your finances by consolidating your debts into a single, manageable repayment. Take the first step towards becoming debt-free with a clear and structured plan.
Financial Planning & Budgeting: Gain clarity and control over your finances with our practical budgeting and financial planning support. We’ll work with you to create a personalised plan to help you achieve your short-term and long-term financial goals.