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New Zealand Mortgage Loans

Mortgage Home Loan

How the process works


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.

Understand your Situation

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


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

Lodge your Application

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

Approval and Recommendation

We customise the loan structure and discuss interest rate options.

Settlement Process

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

Keep in Touch

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

Interested in moving to Wānaka?

All about Wānaka

Wānaka /ˈwɒnəkə/ (Māori: Wānaka) is a popular ski and summer resort town in the Otago region of the South Island of New Zealand. At the southern end of Lake Wānaka, it is at the start of the Clutha River / Mata-Au and is the gateway to Mount Aspiring National Park.

Wānaka is primarily a resort town with both summer and winter seasons. Its economy is based on the many outdoor opportunities this offers.

Historically, Māori visited the Wānaka area to hunt and fish in summer, or on their way to seek pounamu (greenstone) on the West Coast. Ngāi Tahu abandoned their seasonal camps after a raid by a North Island war party in 1836.

The current town was founded as Pembroke during the gold rush of the 19th century, and renamed to Wanaka in 1940. Along with the rest of the Queenstown-Lakes District, Wānaka is growing rapidly, with the population increasing by 50% between 2005 and 2015.


Purchasing Property in Wānaka?

Wānaka’s Names

“Wānaka” is the South Island dialect pronunciation of wānanga, which means sacred knowledge or a place of learning. The New Zealand Gazetteer cites the meaning as “the lore of the tohunga or priest”.

While the name could also be a variation of Ō-Anake or Ō-Anaka, a proper name, Ngāi Tahu’s atlas Ka Huru Manu dismisses this variation as a simple spelling mistake.

A Kāti Māmoe settlement at the site of modern Wānaka was Para karehu or Parakārehu. Take Kārara was a Kai Tahu kāinga nohoanga (settlement) at the southern end of Lake Wānaka, including Ruby Island.

The town was named “Wanaka” when it was first surveyed in 1863, but renamed “Pembroke” within a month of the surveyor returning his books to Dunedin. Pembroke was the family name of the Hon Sydney Herbert, a UK Cabinet Minister and member of the Canterbury Association.

The town’s name reverted to “Wanaka” on 1 September 1940 to reduce confusion between the names of the town and the lake. The official name of the lake was updated from “Lake Wanaka” to “Lake Wānaka” in 2019, and the town to “Wānaka” in 2021.


Wānaka First Home Buyer?

History of Wānaka

A Kāti Māmoe settlement at the site of modern Wānaka was named Para karehu.

The area was invaded by the Ngāi Tahu in the early 18th century. Ngai Tahu visited annually, seeking greenstone in the mountains above the Haast River and hunting eels and birds over summer, then returning to the east coast by descending the Mata-Au in reed boats called mōkihi. Their settlement Take Kārara included a and a kāinga mahinga kai (food-gathering site) where pora (“Māori turnip”), mahetau, tuna (eels), and weka were gathered.

Ngāi Tahu use of the land was ended by attacks by North Island tribes. In 1836, the Ngāti Tama chief Te Puoho led a 100-person war party, armed with muskets, down the West Coast and over the Haast Pass. They fell on the Ngāi Tahu encampment between Lake Wānaka and Lake Hāwea, capturing 10 people and killing and eating two children. Some of the Ngāi Tahu fled down the Waitaki river to the coast. Te Puoho took his captives over the Crown Range to Lake Wakatipu and thence to Southland where he was killed and his war party destroyed by the southern Ngāi Tahu leader Tuhawaiki.

The first European to visit the area was Nathaniel Chalmers, who was guided inland by Chiefs Reko and Kaikoura in 1853. Reko and Kaikoura showed Chalmers the rock bridge “Whatatorere” at Roaring Meg, which was the only place that the Kawarau River could be jumped over, and returned him down the Clutha in a mōkihi reed boat.


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Investment Properties in Wānaka?

More History of Wānaka

European settlement began in the Upper Clutha River Valley in the 1850s, with the establishment of sheep stations by runholders. The first station was at Albert Town, the only place where settlers could ford the Clutha River. The present site of Wānaka was first surveyed in 1863. Gold was discovered in the nearby Cardrona valley in 1862 with many joining the gold rush. Settlement increased in Pembroke during the 1870s because of timber milling in the Matukituki Valley that used Lake Wānaka for transport.

Mass tourism began in 1867 when Theodore Russell opened the first hotel, and with the world’s first sheepdog trials. The first school in the area was opened in Albert Town in 1868. and the Pembroke post office opened in 1873. The Pembroke school opened in 1880 which became the Wānaka District High School in 1940. In 1885 the Commercial Hotel opened in Pembroke and in 1887 the Wānaka Library opened on Ardmore Street. In 1922, the First Wānaka Hotel was destroyed by fire. The following year it was rebuilt as the Wānaka Public Hall. In 1940 Wānaka was connected to the national electricity grid.

Wānaka proved a very popular tourist destination because of its borderline continental climate and easy access to snow and water. With the development of Treble Cone (1968) and Cardrona ski fields (1980), Wānaka grew in popularity as a winter destination.


Wānaka Mortgage Financing

Geography of Wānaka

The town of Wānaka is situated at the southern end of Lake Wānaka, surrounded by mountains. To the southwest is the Crown Range and town of Queenstown (120 kilometres (75 mi)); to the north the Haast Pass cuts through the Southern Alps near Makarora. To the northeast are the towns of Omarama and Twizel. Very close to Lake Wānaka is Lake Hāwea, in a parallel glacial valley, which has a recently developed settlement of about 1,500 people. To the south of the town lies more of the Southern Alps. The Glendhu Bay motorpark is close to the town, leading into the Matukituki River valley which gives access to the Mount Aspiring National Park.

The centre of the town lies on flat land beside Roy’s Bay. Parts of the town have expanded into the hills surrounding the centre and around Roy’s Bay in both directions. The lakeside area of the town is prone to occasional flooding in spring when heavy rain and snowmelt can cause the lake to rise quickly, as in November 1999.

Despite New Zealand’s mostly oceanic climate, Wānaka is one of the few areas in the country to enjoy a semi-continental climate, with four distinct seasons. The weather is fairly dry, with spring (September–December) being the wettest season. Annual rainfall is 682 mm which is half the national average. Wānaka’s summers are warm, with temperatures reaching the high 20s and an average summer maximum of 24 °C (75 °F). Wānaka’s highest-ever temperature of 35.2 °C (95.4 °F) was recorded in January 2018.

Winter can be extreme by New Zealand standards with temperature mostly in the single digits during the day time followed by cold and frosty nights and frequent snowfalls.



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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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.


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.


We build relationships

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


Why work with us

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


We have extensive experience in residential and commercial finance


We build relationships to provide a more customised and personal experience


Some of the banks & lenders we work with:

Custom Mortgages Lending Partners

Correct as of April 2024

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 UsBook a MeetingApply Now

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
Book a Meeting