The Mortgage Guy is a Christchurch mortgage broker at 22 Meadow Street in Papanui, and it focuses on first home buyers. The website says buyers can get into a first home with as little as a 5 per cent deposit. It offers pre-approval, refinancing, investment property loans and coaching through the process. It says it has access to more than 25 lenders, and it helps clients who have been declined elsewhere. Advice is usually free, because the lender pays a standard commission once a loan settles. The website says that does not change the interest rate or loan structure, and that any fee is explained and confirmed in writing before it applies. It offers a quick conversation about borrowing power, and says calls are returned as late as 9pm. The team works across New Zealand from its Christchurch base.
Customers praise the clear communication and steady help through the process. Many were first home buyers, and one bought a house at 21. Others describe a refinance, a home purchase after a sale up north, and an investment property, with the team explaining each step. Customers say the team was patient and always happy to explain. Our pick in Papanui for a first home loan, with an adviser who will keep fighting for the approval.