Mortgages
Buying a home is a big move. Whether it's your first place, your next step up, or an investment, getting the finance sorted can feel overwhelming fast. That’s where we come in.
Straight-up help to get you home
At Rayen & Wood, we make the mortgage process simple, fast, and stress-free. No jargon. No pushy sales tactics. Just a team that listens, lays out your options clearly, and gets to work helping you lock in the right loan.
We know how important this decision is — and how many questions come with it. So we make it our job to explain things properly, keep you in the loop, and move quickly so you don’t miss a window.
How we can help
Whether you're buying your first home or refinancing an existing one, we’ll guide you through the process from start to finish:
First-home buyers
We’ll help you figure out what you can afford, walk you through the process, and get your application across the line with the best deal possible. We know what lenders are looking for and how to present your situation in the best light.
Refinancing or restructuring
Think you could be on a better rate? Changing the family home? Upsizing? Or want to free up some cash? We’ll run the numbers, explain the options, and make the switch simple if it makes sense to move.
Investment properties
Starting or growing your property portfolio? Whether it's a stand-alone rental, new build or multi-property strategy, we'll make sure your finance is set up smart from day one. Our priority is to support your goals long-term, without over complicating things.
Why work with us?
We don’t work for the banks — we work for you. That means we’ll shop around, compare options, and recommend the mortgage that genuinely fits your needs. We’re fast, transparent, and easy to talk to.
And because we know time is money, we keep things moving and make sure nothing falls through the cracks.
Specialist Mortgage Advice
Some parts of the home loan journey need more than just the basics. Heres how we can help with the trickier stuff too.
Tapping Into KiwiSaver for Your First Home
KiwiSaver can be a powerful tool to get you into your first home, but there are a few rules to get it right. We’ll help you figure out what you can withdraw, make sure the timing lines up with your purchase, and take the stress out of the paperwork.
Self-Employed or Non-Standard Income
Not everyone fits a neat salary box, and that’s okay. We’ve worked with plenty of tradies, contractors, and business owners. We know how to present your income in a way lenders understand, and we’ll go to bat for you to get the right outcome, without the usual roadblocks.
Let’s get you sorted
You don’t need all the answers to get started. Just reach out, tell us what you’re trying to do, and we’ll take it from there.