DIRECT Special Lending Products

95% Home Loans - find out if you qualify
Major banks are no longer offering 95% mortgages however it is still possible for some first home buyers to secure 95% home loans on favourable terms.  Other borrowers can often qualify for 90% home loans.  To find out if you qualify, contact us or apply.
Recent Graduates
If you are a recent university graduate and have been paying off your student loan this can help you qualify for 95% finance on your first home. 
Equity Release
You may have paid off, or nearly paid off, your home but would like to release equity to assist your children, fund your retirement, make investments, deal with a life event or for any reason.
Self Employed People - No Doc to 65% and Lo Doc to 70%
At DIRECT Home Loans we understand the needs of self employed people and business owners.  We understand it can often be difficult to demonstrate income, especially when it comes from multiple sources, for example if you are both employed and running a business part time or full time.  We routinely assist with Lo-doc and No-doc finance on excellent terms and without high fees.
Non-Residents
We routinely assist with people who have just arrived in New Zealand.  If you normally live outside New Zealand and are buying an apartment for your family to use, or as an investment, we can help. Contact us about your apartment buying options if you have children studying in New Zealand. If you are planning to move here or would like to own an investment property or holiday home in New Zealand, we can help.
Home Improvement  
We can help you apply to top up or refinance your mortgage to invest in home improvements.
Debt Consolidation
If you are paying 20% interest or more on other borrowings (such as credit card or hire purchase) it can make a lot of sense to increase your home loan so you pay less interest and only have one payment to worry about.
Residential Property Investment
We can help people borrow up to $2,500,000 to fund a residential investment portfolio at home loan interest rates.
Commercial Property Investment
If you are moving into commercial property, we can help you apply for first mortgage finance up to 65% of the property's value.
Bridging Finance
Sometimes you have to buy before you can sell.  DIRECT Home Loans can help you apply for bridging finance on the best possible terms.
Construction Finance
Building a new home?  At DIRECT Home Loans we understand the process and can help you apply for staged construction finance.
Vacant Land
It is not getting any cheaper - when you need to secure a block of land we can assist with your application.
Apartments
Apartments have special challenges for borrowers, especially if they are serviced apartments or have a small floor area.  We can help you apply for the best home loan for your apartment.
Business Loans
We are accredited with major banks to broker business loans, term loans and asset loans.
Credit Impaired
Sometimes bad things happen to good people.  Problems in your credit history do not necessarily mean that you cannot secure a home loan.  DIRECT Home Loans can help you apply for special products that give you the chance to own a home and re-build your credit rating.

Contact DIRECT Home Loans