Protecting Your Lifestyle

Mortgages & Lending

Talk to an expert Home Loan Adviser

Find out what you could borrow, pay, or save for your Home Loan or how we can help you to pay off your existing loan faster.

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Loans that Total Life can assist with:

First Homes
Upgrade of owner-occupied
Investment property

Bridging finance solutions
Self-employed
New to self-employed

Asset finance
Top-ups
Refixes.

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What is Total Life mortgages and lending?

We have a process where you can engage the services of a Financial Adviser in setting up and managing your Home Loan requirements. Be that buying a new property or managing an existing loan. This is generally a fee-free service.

Why choose Total Life for your mortgages and lending?

Callum is an experienced Financial Adviser specialising in Home Lending solutions. By engaging his services you have an independent expert on your side assisting you to navigate the world of banks and borrowing options; decoding jargon, highlighting risk and making sure you are as protected as possible throughout the process.

Why work with us?

In addition to the Home Loan services Total Life also offers expert advice for personal insurance, business insurance, general insurance, investment and KiwiSaver advice. When you work with Total Life you get access to specialist advisers in each field. You can be confident in our advisers and the highly skilled administrative support teams.

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What do we do for you?

We will discuss your situation, needs and requirements. We then look to match you with the best lending solution for your unique situation and objectives. We help you present your application in the best possible light often with your application at multiple lenders saving you time as you just deal with us. We deal with the lenders on your behalf, so you don’t have to. Often negotiating terms and challenging the banks to provide more market consistent outcomes. We then present our recommendation to you for your decision before anything can be confirmed. We then work with you into the future in maintaining your home loans to ensure they are set up as efficiently as possible. This saves you both time and money as you continue about your day.

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Who do we work with?

Wealthpoint APL
ANZ
Westpac
BNZ
ASB

ASAP Finance
Avanti Finance
Cressida Capital
DBR
First Mortgage Trust

Heartland Bank
NZCU
RESIMAC
SBS Bank
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Our Happy Clients

Callum has been our finance superstar for several years now and I would never look elsewhere as he is always extremely knowledgeable, responsive and a fantastic communicator. I have at times dropped last minute requests on him and he has always been positive and optimistic about getting us our desired results within some short time frames. He is great at explaining things in a simple manner that I can understand and make informed decisions on and I highly recommend that you contact Callum for all of your lending needs.

Our experience dealing with Callum for our home loan was nothing short of exceptional. In a climate where professional advice hold upmost importance, Callum’s astute knowledge of the housing market and process of dealing with the banks and negotiating a deal was beyond impressive. He is a straight shooter with all the knowledge and facts. To remove all the stress and end up with a perfect result has us very happy as a young family. Best in the business, we highly recommend!

As a first time buyer, Callum has made the mortgage process incredibly easy and stress-free for us to build our home. Callum's communication throughout the process was brilliant and was always available to answer my questions and provide guidance. We were able to secure a very good interest rate and an easy approval despite being under the current 20% threshold. I highly recommend Callum's services!