Mortgages

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More Than Just A Mortgage Broker

Getting a mortgage and buying your first home is one of the biggest financial commitments you will make in your lifetime, and it can be a difficult process navigating all the lending options available. At PFSL we do more than advise you on how to best set up a mortgage, we are committed to building long-lasting relationships, and offer a slew of additional financial services – all under one roof.

Saving you time and money is our core objective, to help make you feel confident and secure in your big move. Our service is free, so why not contact us today?

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Getting Started

Educating yourself and having the right advice behind you is vital in setting yourself up for a seccessful mortgage so you aren’t left in the dark or paying more than you need. We have a few helpful pages that can help with understanding the basics below:

First Home Buyer
Your First Mortgage
Deposit Options
KiwiSaver Scheme

Fixed or Float?

Fixed loans means you pay the same interest rate for the fixed number of months or years. You can fixed it for up to 7 years with some banks. It gives you the financial security with a fixed repayment amount for each period. You can break a fixed loan and repay it early but it can incur hefty penalty costs.

Floating loans have interest rate that changes over time. Your repayments are changing each month based on Official Cash Rate (OCR). When the rates go down you pay lower repayments but the downside is if they go up you may have to adjust your lifestyle to keep up with the repayments.

A mixture of fixed and floating home loans suits many people as it offers degree of flexibility.

Refinancing

Deciding to refinance can be a big decision, one that makes you very attractive to the banks which can leave you inundated with offers. Knowing how and why to refinancing could be right for you is important, the key is to decrease debt remember so it’s smart to have everything evaluated correctly to save you money.

At PFSL we will crunch the numbers and evaluate whether the savings derived from the new structure is worth the trouble or not. We will propose a personal structure and show you if the costs/benefits are worth the risk of breaking your existing mortgage.

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Testimonials

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Ashok & Jasleen

First Home

It was a really nice experience with you guys for the journey of our first home. Your advise and help was greatly appreciated. We would like to Thank you a lot for being the part of our journey. Once again, thank you so much Rohit and Harsh.

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Bala Appaji

Home Loan

Our new home loan is now active with ANZ. We thank you and your team for the assistance in this process. Great Job. Thank you Rohit.

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Saransh & Preety

First Home Mortgage

Big thank you to you and your Team for all the hard work you guys have done to get us into our First Home. I would be recommending you guys to all my family and friends . Thank you again Regards Saransh & Preety

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Ravita

Mortgages

Thanks Anand for your wonderful service and being so helping and approachable throughout the process for our loan ? Really appreciate it from the bottom of our heart. Cheers Ravita

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Arti Bakshi

Mortgages

PFSL helped us to make our dream come true to own a house in Auckland. I did shop around but no one could beat PFSL standards. I always recommend PFSL to Whanau. Because they are transparent, provide best advice and have super hard working team. I have been using their services for over 6 years and never been disappointed

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Ashok Jaisingh

Mortgages

Hi Rohitji, Thank you ! We took possession of our house today, the process could not have been made more simpler & smoother by you specially when we are overseas. Appreciate your personal touch and guidance all along. Warm Regards, Ashok Jaisingh

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Aloma Visser

Mortgages

Hi Anand, Many thanks for your prompt and efficient service. I have checked my mortgage account, and it all seems to be amended and in order to my requirements. Hope you have fun-filled weekend with your family. Kind Regards, Aloma.

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Arvin and Rangeeta Prasad

Mortgages

Hi Anand ji, Thanks a lot for helping us. Sorry for giving you hard time by calling and emails. Will say keep up with your excellent customer service and your hard work. God bless you and your family. Thanks

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Siri & Wasundara Rathanayake

Mortgages

Dear Mr. Takyar, Thank you very much for assisting us with our mortgage. Your knowledge, experience, understanding of our requirements and most importantly, your friendly approach made a huge difference. We are sure that without your service it would have been very difficult to take this significant step. We highly appreciate your positive approach in this process. Every time when we needed your involvement you had already taken all the necessary steps to process this smoothly and efficiently. We will definitely recommend your services to anyone who needs financial advice and services. We wish all the best. Kind Regards Siri & Wasundara Rathnayake

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Shahnaz Nisha

Mortgages

Hi Anand, Sorry for the late reply, many thanks for the re-fix of the loan. It gives one so much peace of mind to see the years reduced for the mortgage, with a little extra payment each week. You and your team along with Ravi Mehta really do a marvelous job, it is indeed very much appreciated. I would highly recommend your company to other people. Once again, Many thanks. Regards Shahnaz Nisha.