Help with Mortgages.

Why Mortgage Advice Matters

Mortgages are one of the biggest financial commitments most people make. Whether you are borrowing for your first home, refinancing or repaying a loan, it is important to understand the documents and how they affect your rights as a borrower or property owner.

We help you review and manage mortgage agreements so you can make confident, informed decisions about your lending.

What We Help With

We advise on:

• Mortgage agreements and loan conditions

• Refinancing and restructuring arrangements

• Property title matters linked to lending

• Family lending and secured borrowing

Our role is to explain your obligations, highlight key risks and ensure your interests are protected at every stage.

Support at Every Stage

We assist first home buyers, investors and families managing lending arrangements. Our advice is clear, practical and tailored to your situation.

We also assist clients remotely, so you can get legal support and review documents from wherever you are based in New Zealand.

Where We Work

Our property law team is based in Wellington, Kāpiti, Lower Hutt and Masterton. We assist clients with mortgage and lending matters across the Wellington region, the lower North Island and throughout New Zealand.

Questions We Often Get Asked About Mortgages

Do I need a lawyer when signing mortgage documents?

Yes. Your lender usually requires a lawyer to certify that you understand the mortgage terms before settlement. We review the documents, explain key clauses and ensure you understand what you are agreeing to before you sign.

What should I check before refinancing?

Before refinancing, it is important to compare the total cost of your loan, including break fees, legal fees and any changes to repayment terms. We review the new loan documents to confirm whether the change benefits you overall.

What is a registered mortgage?

A registered mortgage is a legal charge over your property that secures repayment of your loan. It is recorded on the property title in Landonline. We check that the registration is correct and that it matches the terms agreed with your lender.

Can family members secure a loan with their property?

Yes, but this carries significant risk. If the borrower defaults, the lender can enforce the security against the family member’s property. We explain the legal implications of guaranteeing or securing someone else’s loan so you can decide with full awareness.

What happens if I fall behind on mortgage payments?

If you miss payments, lenders may charge penalty interest or start recovery processes under the Credit Contracts and Consumer Finance Act. We help you understand your rights, communicate with the lender and explore repayment or refinancing options early.