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Christchurch

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 Christchurch?

All about Christchurch

Christchurch is the largest city in the South Island of New Zealand and the seat of the Canterbury Region. Christchurch lies on the South Island’s east coast, just north of Banks Peninsula on Pegasus Bay. The Avon River / Ōtākaro flows through the centre of the city, with an urban park located along its banks. The city’s territorial authority population is 392,100 people, and includes a number of smaller urban areas as well as rural areas. The population of the urban area is 380,600 people. Christchurch is the second-largest city by urban area population in New Zealand, after Auckland. Christchurch is the major urban area of an emerging sub-region known informally as Greater Christchurch. Notable smaller urban areas within this sub-region include Rangiora and Kaiapoi in Waimakariri District, north of the Waimakariri River, and Rolleston and Lincoln in Selwyn District to the south.

The first inhabitants migrated to the area sometime between 1000 and 1250 AD. They hunted moa, which was extinct by 1450 AD, and destroyed much of the mataī and tōtara forest. The first iwi to settle the area that would later become known as Christchurch were the Waitaha, who migrated to the area in the 16th century. They were followed later by the Kāti Māmoe, who conquered the Waitaha. In the 16th and 17th centuries, the Ngāi Tahu migrated to the area and subjugated the Kāti Māmoe. Over time Ngāi Tahu would develop a large based around Kaiapoi, which was a major centre for the trade of pounamu

Christchurch became a city by Royal Charter on 31 July 1856, making it officially the oldest established city in New Zealand. The Canterbury Association, which settled the Canterbury Plains, named the city after Christ Church, Oxford. The new settlement was laid out in a grid pattern centred on Cathedral Square; during the 19th century there were few barriers to the rapid growth of the urban area, except for the Pacific to the east and the Port Hills to the south. Agriculture is the historic mainstay of Christchurch’s economy. The early presence of the University of Canterbury and the heritage of the city’s academic institutions in association with local businesses has fostered a number of technology-based industries. Christchurch is one of five ‘gateway cities’ for Antarctic exploration, hosting Antarctic support bases for several nations.

Source: https://en.wikipedia.org/wiki/Christchurch

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Māori History of Christchurch

Archaeological evidence found in a cave at Redcliffs in 1876 has indicated that the Christchurch area was first settled by moa-hunting tribes about 1250 AD. These first inhabitants were thought to have been followed by the Waitaha iwi, who are said to have migrated from the East coast of the North Island in the 16th century. Following tribal warfare, the Waitaha (made of three peoples) were dispossessed by the Ngāti Māmoe iwi. They were in turn subjugated by the Ngāi Tahu iwi, who remained in control until the arrival of European settlers 600 years later.

Land covered in mataī and tōtara forest was cleared in what is now the central city, and in 1500 the population increased due to Kāti Māmoe and then further Ngāi Tahu migration. The largest single settlement was at Kaiapoi‘s , a bustling fortification controlled by the powerful Ngāi Tahu hapū Kāi Tūāhuriri. This pā was founded by the nobleman Tūrākautahi, and was run by his family and prestigious tohunga in a highly sophisticated social and economic fabric. Tūrākautahi’s hapū, Kāi Tūāhuriri, was named for his father, the important leader Tūāhuriri. Tūāhuriri a powerful chief who had influence and control over vast swathes of Christchurch, Nelson and Wellington, before a conflict with his brother-in-law Tutekawa caused him to drown in Te Roto o Wairewa (Lake Forsyth). The settlement remained where it was, controlled by Tūāhuriri’s descendants, until it was sacked in the 1830s by Te Rauparaha.

Source: https://en.wikipedia.org/wiki/Christchurch

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Early European History of Christchurch

After the purchase of land at Putaringamotu (modern Riccarton) by the Weller brothers, whalers of Otago and Sydney, a party of European settlers led by Herriott and McGillivray established themselves in what is now Christchurch, early in 1840. Their abandoned holdings were taken over by brothers William and John Deans in 1843 who stayed. The First Four Ships were chartered by the Canterbury Association and brought the first 792 of the Canterbury Pilgrims to Lyttelton Harbour. These sailing vessels were the Randolph, Charlotte Jane, Sir George Seymour, and Cressy. The Charlotte Jane was the first to arrive on 16 December 1850. The Canterbury Pilgrims had aspirations of building a city around a cathedral and college, on the model of Christ Church in Oxford.

The name “Christ Church” was decided before the ships’ arrival, at the Association’s first meeting, on 27 March 1848. The exact basis for the name is not known. It has been suggested that it is named for Christchurch, in Dorset, England; for Canterbury Cathedral; or in honour of Christ Church, Oxford. The last explanation is the one generally accepted.

At the request of the Deans brothers – whose farm was the earliest European settlement in the area – the river was named after the River Avon in Scotland, which rises in the Ayrshire hills near to where their grandfather’s farm was located.

Captain Joseph Thomas, the Canterbury Association’s Chief Surveyor, surveyed the surrounding area. By December 1849 he had commissioned the construction of a road from Port Cooper, later Lyttelton, to Christchurch via Sumner. However, this proved more difficult than expected and road construction was stopped while a steep foot and pack horse track was constructed over the hill between the port and the Heathcote valley, where access to the site of the proposed settlement could be gained. This track became known as the Bridle Path, because the path was so steep that pack horses needed to be led by the bridle.

Source: https://en.wikipedia.org/wiki/Christchurch

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Geography of Christchurch

Christchurch lies in Canterbury, near the centre of the east coast of the South Island, east of the Canterbury Plains. It is located near the southern end of Pegasus Bay, and is bounded to the east by the Pacific Ocean coast and the estuary of the Avon and Heathcote Rivers. To the south and south-east the urban portion of the city is limited by the volcanic slopes of the Port Hills separating it from Banks Peninsula. To the north the city is bounded by the braided Waimakariri River.

Christchurch is one of a group of only four current cities in the world to have been carefully planned following the same layout of a central city square, four complementing city squares surrounding it and a parklands area that embrace the city centre. The first city built with this pattern was Philadelphia. Later came Savannah and Adelaide, before Christchurch.

Christchurch has one of the highest-quality water supplies in the world, with its water rated among the purest and cleanest in the world. Untreated, naturally filtered water is sourced, via more than 50 pumping stations surrounding the city, from aquifers emanating from the foothills of the Southern Alps. However, since 2018 about 70% of Christchurch’s water supply has been temporarily chlorinated due to well-head upgrades, and the chlorination is planned to be stopped after the upgrades have been completed and certified.

Source: https://en.wikipedia.org/wiki/Christchurch

Christchurch Mortgage Financing

Climate of Christchurch

Christchurch has a temperateoceanic climate with a mild summer, cool winter, and regular moderate rainfall. It has mean daily maximum air temperatures of 22.6 °C (73 °F) in January and 10.9 °C (52 °F) in July. Under the Köppen climate classification, Christchurch has an oceanic climate (Cfb). Summer in the city is mostly warm but is often moderated by a sea breeze from the north-east. A record temperature of 41.6 °C (107 °F) was reached in February 1973. A notable feature of the weather is the nor’wester, a hot föhn wind that occasionally reaches storm force, causing widespread minor damage to property. Like many cities, Christchurch experiences an urban heat island effect; temperatures are slightly higher within the inner city regions compared to the surrounding countryside.

In winter it is common for the temperature to fall below 0 °C (32 °F) at night. There are on average 80 days of ground frost per year.Snowfalls occur on average three times per year, although in some years no snowfall is recorded. The coldest temperature recorded was −7.1 °C (19 °F) on 18 July 1945, the third lowest recorded temperature of New Zealand’s major cities.

On cold winter nights, the surrounding hills, clear skies, and frosty calm conditions often combine to form a stable inversion layer above the city that traps vehicle exhausts and smoke from domestic fires to cause smog. While not as bad as smog in Los Angeles or Mexico City, Christchurch smog has often exceeded World Health Organisation recommendations for air pollution. To limit air pollution, the regional council banned the use of open fires in the city in 2006. In 2008 council prohibited the use of woodburners more than 15 years old, while making funding available to upgrade domestic home heating systems.

Source: https://en.wikipedia.org/wiki/Christchurch

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Financing we can help with

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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 Team Mortgage New Zealand

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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