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Bannockburn

New Zealand Mortgage Loans

Mortgage Home Loan

How the process works

1

First Chat

We get to know you, and ensure you know what we do and how we do it. We’ll talk about what you are trying to do, your goals and ambitions.
2

Understand your Situation

We gather information from you including personal details, income and assets and other financial information.
3

Research

We research the market to ensure we find the best option for you.
4

Lodge your Application

We work with you and the lender, and do the legwork to get you approved.
5

Approval and Recommendation

We customise the loan structure and discuss interest rate options.
6

Settlement Process

We work with you, your lawyer and the lender to ensure a smooth settlement process.
7

Keep in Touch

We keep in regular contact to check in and review any changes to your situation.

Interested in moving to Bannockburn?

All about Bannockburn

Bannockburn is a small historic gold mining town located outside of Cromwell in Central Otago, New Zealand.

The area was first made known as a rich alluvial gold field and was mined extensively in the 1860s.

Its uniquely warm, dry climate earned it the name ‘The heart of the desert’, as climatic conditions and human activity have combined to strip the area of most of the original native vegetation leaving rocks, sands and soils exposed. Today, these climate conditions make Bannockburn the home of many vineyards and stonefruit orchards.

Source: https://en.wikipedia.org/wiki/Bannockburn,_New_Zealand

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History of Bannockburn

The plans for the settlement began in 1862, as a result of miners being forced upstream from rising water levels in the Clutha and Kawarau Rivers. Though the area was settled around this period, the population was not stationary. As miners followed gold up the creeks, the settlements tended to follow, and by 1868 the original settlement had been strung out along what is now the Bannockburn-Nevis road. As miners swept over the area, from 1862 to 1871 the face of the landscape underwent drastic changes as the alluvial flat was washed away by sluicing operations to the foreboding landscape that exists today. Water during this period was a pivotal resource, not just for mining but to supply the town as well. Evidence of the complex water system that once existed is spread throughout the landscape. Multiple dams, (technically reservoirs) feed a water system that extends from high on the nearby Carrick range down to the abandoned sluicing sites. Tippet’s Dam was one of, if not the largest of these reservoirs. The water has since been redirected for horticultural and viticultural use and the sluicings rest dormant on land belonging to the Department of Conservation.

Source: https://en.wikipedia.org/wiki/Bannockburn,_New_Zealand

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Demographics of Bannockburn

Bannockburn is described by Statistics New Zealand as a rural settlement. It covers 16.91 km2 (6.53 sq mi) and is part of the larger Lindis-Nevis Valleys statistical area.

Bannockburn had a population of 477 at the 2018 New Zealand census, an increase of 99 people (26.2%) since the 2013 census, and an increase of 162 people (51.4%) since the 2006 census. There were 183 households. There were 246 males and 234 females, giving a sex ratio of 1.05 males per female, with 57 people (11.9%) aged under 15 years, 63 (13.2%) aged 15 to 29, 240 (50.3%) aged 30 to 64, and 117 (24.5%) aged 65 or older.

Ethnicities were 94.3% European/Pākehā, 5.0% Māori, 0.6% Pacific peoples, 3.1% Asian, and 1.9% other ethnicities (totals add to more than 100% since people could identify with multiple ethnicities).

Although some people objected to giving their religion, 59.7% had no religion, 26.4% were Christian and 4.4% had other religions.

Of those at least 15 years old, 99 (23.6%) people had a bachelor or higher degree, and 60 (14.3%) people had no formal qualifications. The employment status of those at least 15 was that 234 (55.7%) people were employed full-time, 75 (17.9%) were part-time, and 6 (1.4%) were unemployed.

Source: https://en.wikipedia.org/wiki/Bannockburn,_New_Zealand 

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Tourism in Bannockburn

Wine in this region, like the majority of Central Otago, focuses primarily on Pinot noir, suited to the dry climate and soils. The climate of Bannockburn epitomizes that of the Central Otago wine region and claims some of the highest temperatures and lowest rainfall in the area. The area is limited by geographical constraints to relatively small outputs, and most of the vineyards boast a boutique high quality wine with typically small volumes of grapes.

Source: https://en.wikipedia.org/wiki/Bannockburn,_New_Zealand

Bannockburn Mortgage Financing

Viticulture in Bannockburn

Several internationally renowned vineyards exist within a small radius producing wine that is distributed often to an international base. Akarua, Bannock Brae, Felton Road, Mt. Difficulty and Terra Sancta are among a few of the internationally known wineries in this area.

Source: https://en.wikipedia.org/wiki/Bannockburn,_New_Zealand

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Financing we can help with

First home buyers

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Investment property

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Building a home

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Refinancing your mortgage

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Loan refixes & rollovers

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Renovations

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International Buyers

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Bridging finance

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Equity release

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Business loans

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Commercial property loans

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Property development funding

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Car & Equipment Financing

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Why work with us

We are owner operated and not aligned with any lenders

We work with you to customise your loan so it best matches your goals, and to save you time and money.

01

We have extensive experience

We all have over 10 years’ experience in banking and we understand the industry. We specialise in both residential and commercial financial advice.

02

We build relationships

We pride ourselves on building relationships with our customers and with our lenders to provide a more customised and personal experience.

03

Why work with us

We are owner-operated and are not aligned with any lenders

01

We have extensive experience in residential and commercial finance

02

We build relationships to provide a more customised and personal experience

03

Banks & lenders we work with:

Correct as of September 2025

Referral partners we work with:

Correct as of September 2025

Custom Mortgages

Custom Mortgages is run by a group of mates – all bankers and each with many years experience in the industry. The team understands and knows the commercial, mortgage, and housing landscapes. With this experience, they can help you find a tailored, custom solution.

No two purchases, projects or businesses are the same, so why should your financing arrangements be?

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Custom Mortgages

Custom Mortgages is run by a group of mates – all bankers and each with many years experience in the industry. The team understands and knows the commercial, mortgage, and housing landscapes. With this experience, they can help you find a tailored, custom solution.

No two purchases, projects or businesses are the same, so why should your financing arrangements be?

Contact UsApply Now
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