Loan Market Mortgage Solutions is a locally focused team of mortgage and insurance advisers helping clients across the Kapiti Coast and Wellington. Led by advisers Liza Richardson, Simon Richardson and Kim Gross, the practice is part of Loan Market — the largest group of mortgage advisers in New Zealand — but operates as your own personal, non-bank affiliated expert rather than a branch of any one bank.
At the heart of the service is choice and negotiation. The team has access to a panel of more than 30 banks and lenders, compares the options and negotiates competitive interest rates on your behalf — whether you are buying your first home, moving up the ladder, investing, refinancing or structuring finance for a business. As they put it: if you are fed up with your bank not understanding your situation, give them a call.
Help covers every stage of life: first home loans with guidance on deposits, government grants, entitlements and KiwiSaver; next home, investment, bridging, land and construction and self-employed lending; commercial and business loans, personal loans and asset finance; plus insurance and KiwiSaver advice. Their promise is to make the process easy and simple, no matter your needs or stage of life.
For most clients the advice is free, and support continues well after settlement. Free online calculators, a downloadable First Home Buyers Guide, a financial hardship hub and up-to-date property market commentary make it easy to start from home — and a quick call to the team gets the conversation going.
Buying a home is one of the biggest financial decisions most of us will ever make — and between the contracts, the jargon and the bank appointments, the process can feel daunting. Loan Market Mortgage Solutions exists to take that weight off your shoulders. A team of mortgage and insurance advisers working with clients across the Kapiti Coast and Wellington, they are part of Loan Market, the largest group of mortgage advisers in New Zealand — but they operate as your own personal adviser, not as a branch of any bank.
The team — Liza Richardson, Simon Richardson and Kim Gross — put their role simply: they are here to work for you and help you achieve your financial goals. And their invitation is refreshingly direct: if you need help navigating the home loan process, or you are fed up with your bank not understanding your situation, give them a call.
The difference comes down to choice and alignment. A bank can only talk about its own products. Loan Market Mortgage Solutions has access to a panel of more than 30 banks and lenders, and the team's job is to compare those options and negotiate competitive interest rates on your behalf. Your adviser is not owned by or affiliated with a bank, so they work in your best interests.
For most clients, the advice is free — there may be occasions where a fee applies, and your adviser will disclose that. Just as importantly, support continues after your loan settles: your adviser stays in touch with ongoing guidance, and you can reach out whenever your circumstances change.
First home buyers are a natural fit for the team. Buying your first home is exciting but complicated, and the advisers break it into ten clear steps — from your first meeting and loan application through to conditional approval, settlement and getting the keys. They will also help you investigate government grants and entitlements you may be eligible for, and tap into your KiwiSaver. A downloadable First Home Buyers Guide adds a home loan cheat sheet, a property buying checklist and tips for saving your deposit faster.
But first homes are only the beginning. The team also arranges next home loans, investment property lending, refinancing, bridging loans, land and construction finance and options for self-employed borrowers, alongside commercial and business lending, personal loans and asset finance. Insurance sits alongside the lending conversation: life and income protection, contents cover, and the home insurance your lender will require as a condition of finance. KiwiSaver advice rounds out the picture.
It starts with a conversation. In your consultation, the adviser discusses your needs and goals, then helps you select the right product, terms, features and rate. From there they make sure you have all the documentation, lodge the application with your chosen lender and manage the assessment — including income, employment and credit checks — on your behalf.
A milestone many buyers value is conditional approval, also known as pre-approval. It tells you how much you can spend and what your repayments will look like, and it means you can move quickly and confidently when the right property appears. If the lender requires a valuation, your adviser can help arrange it (valuations are at your own cost), and if Lender's Mortgage Insurance applies, they will guide you through that too.
Once you have made an offer and the loan is unconditionally approved, the formal letter of offer is issued, loan documents go to your solicitor or conveyancer, and settlement is scheduled — usually with your first repayment about a month later. Then comes the best step of all: moving in.
The team's website is packed with free resources: borrowing power, loan comparison and budget planner calculators, a plain-English jargon guide, help with downloading bank statements for your application, property market updates and a regularly updated blog. For anyone doing it tough, the Financial Difficulty and Hardship Hub is a starting point for support.
Whether you are chasing your first home, refinancing for a better deal or structuring finance for a business, Loan Market Mortgage Solutions positions itself as the local expert in your corner — comparing, negotiating and explaining, so the process really is easy and simple, whatever your stage of life.