Home - Sharp Mortgages

Simplifying Finance for A Brighter Future!

Unlock Your Financial Potential. Discover a world of financial opportunities and expert guidance at Sharp Mortgages.

Are you going to buy a new Home?

We Are Here To Help!

Find Out More

First home buyer looking to purchase your first home Looking at upgrading?

Looking at buying land and building your dream home?

Are you a homeowner and want to buy an investment property using the equity in your existing home?

Refinancing your loan and want the best rates and cashback?

Sharp Finance has been helping Kiwis in securing home loans for buying their first home, and investment property using the equity in their existing property and refinancing their existing loan at the best rates and cash back available for the last six years. We work closely with our clients to understand their needs and requirements in depth, assess their specific circumstances and give them advice on the best possible solutions in their interests depending on their future goals and plans.

How we will work together?

First Chat

We get to know you and ensure you know what we do and how we do it. We will talk about what you are trying to do, your goals and ambitions, and whether we can help

Understand your situation

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

Research and Recommendation

We will research the market and ensure our recommendation is the most competitive solution for you and best suits your needs.

Lodge your application

We will work with you and the lender and do all the legwork and get you pre-approved.

Approval moment and protection

Congratulations! This is what we live for. Now you know what you can afford and have the thumbs up from your lender for what you need. We will confirm the details with you.

Settlement process and being together

We'll be with you during settlement, ensuring smooth progress. This marks the start of our partnership, focused on your financial success. Regular check-ins to review changes.

Who We are? and what we promise

few things about Sharp Mortgages

Sharp Mortgages Ltd was established in 2017 to provide the best home loan and insurance advice to New Zealanders. Since then we have helped hundreds of families in buying their first home, adding investment properties to their portfolio, and advising them on the best possible loan structure so that they can pay their mortgage faster and save on interest.

At Sharp Mortgages, we put your interest first. We are also available on the weekends and after hours, so will answer your calls on weekends and evenings too. We can meet you in person and also organize a video call or phone call, thus eliminating the need for face to face meetings. Self-employed with very little paperwork to prove your income or bad credit, we can work with you to find a solution for your situation.

FIND THE RIGHT DEAL FOR YOU

We’ll compare 30+ banks and lenders

No fees* for you, I’m paid by the lender you choose

The power to negotiate discounts

KEEP IT SIMPLE

No jargon! Everything explained simply

I work for you, not the banks or shareholders

Make moving in and out a breeze

HELP YOU GROW

Put a plan in place for the future

Achieve your goals today

Provide solutions for all your needs

SAVE YOU TIME

We'll compare the market for you

Expert research to find you the right loan

Do all the legwork for your application

HELP YOU GET COVERD

Connect you with home and contents insurance

Life insurance and income protection for unexpected situations

what we offer? to achieve your dreams

Home loans for investment properties

Already got a house and looking at buying an investment property. Want to know how can you unlock the equity in your existing house and use it as a deposit to buy your investment property. Let us do this for you. We can do all the legwork and get you preapproved from you existing bank to buy an investment property.

Refinancing

Refinancing is the process of replacing an existing loan or mortgage with a new one that has more favorable terms, such as lower interest rates, reduced monthly payments, or a shorter loan term. This can be a smart financial move for borrowers who want to save money or improve their financial situation. Refinancing is common with home loans, auto loans, and personal loans.

Construction Loan

Want to buy a land and build your dream home on that. Construction loan works a bit differently than a regular home loan. Please contact us and we can guide you through the whole process, from buying and settling the land first until the construction is completed and Code of Compliance is issued.

Simple and hassle-free Personal Loan

Needing some extra money for some special occasion or an emergency. No worries. We can get an unsecured personal loan approved for you within 24-48 hours with minimal documentation.

Access to over 30+ banks and lenders all at one place

what people say? about us

In 2020 I was looking at purchasing property and was referred to Sharp Finance Ltd. From our first conversation, Raj was very professional and knowledgeable. Raj was responsive and helped me find the best financial solution to suit my needs. Thank you for your professionalism and financial assistance.

I have found Raj at Sharp Mortgages very understanding with my situation. He got me approved with my bank in no time. He helped me through all the documentation and I did not had to bother about anything.He in fact gone extra mile to help me to understand the house buying process , prioritize my requirements , kind of hand holding me to put first offer to home I liked. His knowledge about banking, finance and real estate is up to scratch. Anyone who dream to get in their own house, call Raj without hesitation, I am sure you would be really happy that you did.

Have been with Raj since 2019 and since then he has been there for me and my investment properties. He has always sorted best rates and has gone out of his way doing all necessary documents and deals ,and has recommended him to my families and friends . Thanks Raj & Sharp Mortgages.

"I had the pleasure of working with Sharp Mortgages and my mortgage advisor went above and beyond to help me finance my properties and refinance my existing mortgages. From start to finish, the experience was smooth and stress-free, thanks to their expertise and dedication.Not only did the mortgage advisor secure for me a great interest rate, but they also went the extra mile to find the best offer with cash back, which was a fantastic surprise. I was amazed by their knowledge of the market and their ability to negotiate on my behalf.What impressed me the most was their personalized approach to my financial needs. They took the time to understand my situation and goals, and they provided me with tailored advice and solutions that were perfectly suited to my needs.Throughout the process, the mortgage advisor was always available to answer my questions and provide guidance. They were patient, professional, and attentive, making the experience as smooth and stress-free as possible.In short, I cannot recommend this mortgage advisor enough. If you are looking for someone who can help you finance your properties or refinance your mortgages, look no further. They are simply the best."