We make the complex simple – every step of the way
Are you looking for your first home, wanting to increase your property portfolio or interested in mortgage refinancing? Relax, we’re here to help you, every step of the way. With our experienced team by your side, we’ll source the options for you, negotiate the complexities and support you, from application to approval, every step of the way.
At Penberthy we take the stress out of the process, helping you make smart, confident decisions. Because securing your future should feel straightforward, not stressful, and with us by your side – it will.
Choose the mortgage option best suited to your needs
First Home Buyers
Buying your first home is a huge milestone — and yes, it can feel a little overwhelming. That’s where we come in. At Penberthy, we take care of the tricky stuff so you can focus on the excitement of finding your place to call home.
With our experienced team by your side, you’ll get expert advice, smart options, and clear guidance through every step of the journey. From understanding what you can afford, to unlocking KiwiSaver support and navigating lender requirements — we’ll help you make confident, informed decisions.
We can help you with:
- Understanding how much deposit and income you need
- Making the most of KiwiSaver to boost your buying power
- Exploring options for family gifting or assistance
- Comparing the right loan types and structures for your situation
Ready to take the first step? We’ve got you covered.
Next Home Buyers
Whether you’re upsizing for more space, downsizing for a simpler lifestyle, or planning to keep your current property as a rental — your next move deserves the right advice and a smart lending strategy.
At Penberthy, we take the stress out of the process, by taking the time to really understand your goals and then explore the options for you.
From leveraging your existing equity to structuring loans across multiple properties, we’ll help you make confident choices that support both your lifestyle and financial future.
We can help you with:
- Lending strategies for upsizing or downsizing
- Options for keeping your current property and renting it out
- Smart use of equity to support your next move
- Structuring loans to suit evolving goals and incomes
Your next move just got easier — we’re beside you every step of the way.
Property Investors
At Penberthy we help property investor’s structure loans for long term success by creating tailored finance strategies that support your goals and enable smart lending.
We help navigate the changing finance market, identifying the right banks and the best solution to align with your wealth creation goals.
With over 40 years experience, access to a wide range of lenders and an unrivalled reputation for understanding our client’s needs better, we enable long-term planning to maximise returns and minimise stress.
We can help with:
- Structuring lending across multiple properties
- Interest-only vs principal & interest loan options
- Deposit requirements and equity strategies
- Navigating bank criteria and investor-friendly lenders
Build with confidence — we’ve got you covered.
Refinancing
With interest rates and property values changing, it’s worth reviewing your lending to make sure it still fits your needs and goals.
At Penberthy, we help you make smart refinancing decisions.
Whether you’re looking to reduce your repayments, access equity, consolidate debt, or simply secure a sharper rate, we’ll compare your options and handle the process for you or with you — from negotiation to approval.
By switching banks you could save thousands in interest costs over the life of your loan and we’d like to help with that.
We can help you with:
- Reviewing your current loan structure and interest rate
- Exploring fixed vs floating options
- Accessing equity for renovations or investments
- Simplifying repayments through consolidation
It could be well worth a conversation. Shall we have that?
Talk to us today
for all your mortgage and insurance needs.
With over 40 years’ experience, a deep commitment of going above and beyond and a reputation for being a relentless champion of our clients’ needs we are here for all your mortgage and insurance needs. We take the time to understand your life, your needs and your future plans and we tailor solutions that bring peace of mind.
Our approach is what sets us apart
Our expertise makes a tangible difference
We are our client’s most suitable advocates, because our expertise is in the fine print, ensuring we delve deeper to tailor more thorough protection policies.
Our approach develops genuine relationships
We develop a trusted partner relationship with our clients, because we demonstrate a genuine desire to look out for your needs soundly.
Our knowledge brings peace of mind
Our deep-seated knowledge, built up over generations, ensures trusted advice and support that continually evolves, as you do.
You may also be interested in these Personal Products
Personal Insurance
Life is full of risks. And some unexpected events can really set you back. That’s when you need a champion by your side, to give you total peace of mind.
Rental Property Insurance
Owning property means taking on risk. If you own one or several investment properties, make sure you’re not just adequately covered but fully protected.
KiwiSaver Scheme Specialists
When was the last time you reviewed your KiwiSaver? Even small changes to your current contribution rate can dramatically improve your financial security and comfort in retirement.
Life & Medical Insurance
With the right insurance cover in place, you’re able to focus on what matters most, not how you and your loved ones are going to cope financially.
