We offer professional advice - generally at no cost to you! (Refer to our Disclosure Statement for fees which may be charged)

Mortgages - Property Finance

Purchasing a property can be a big deal whether it's your first, second, third or fourth time.  dm consult can help you figure out how much you can afford and whether your current bank is the best option for you.  If you've had history with your current lender, this doesn't necessarily mean they are your best option when it comes to your next purchase.
If you're selling your current property, we can reassess your financial position and seek a conditional mortgage approval for you even before you place this property on the market, which means you have an idea of what you can borrow for your next purchase.

- First Home Buyers

Buying a first home can be stressful, so let us take the stress out of the process for you.  Having helped many first home buyers, we know how to get a result for you.
We will meet with you to identify your finance needs and give you options which best fits your circumstances, explaining the process in a way you can understand with regard to Kiwisaver Withdrawal and the Housing NZ Homestart Grant, which may be options applicable to your situation to help you grow your deposit.  We will then seek a pre-approval for you so you know what purchase price range you can afford to buy in.
Kiwisaver Withdrawal for First Home Buyers
Housing New Zealand Homestart Grant

 - Rental Investments

Building up a portfolio of rental investments is a popular method to earn additional income and reap the benefits of property value increases over time.  A number of our clients use our services and advice to obtain finance for this purpose.  Talk to us about making your next move toward property investment.

Building Finance

If you have bought or plan to buy a section, and then build your dream home, we have the experience to help you finance your building project with access to a broad range of mortgage lending products to meet these needs.  We will do the leg-work for you to arrange finance with the lenders.

Business Finance

Securing a business loan for a new business, to buy an existing business or to grow your current business?  Each of these scenarios come with different requirements and risks.  Give us a call to discuss the next step to benefit you and your business.


Is your current lender making it hard for you to make the next move?  Each bank's lending criteria varies depending on the purpose of your finance, and just because one bank says no, doesn't necessarily mean you will get the same answer from another lender.  Let us do the leg-work for you to get the right fit with the right lender.


When you mortgage comes up to be re-fixed or if you have a floating loan you would like to fix, let us help you structure your loan to best suit your needs and financial goals.  The lowest rate may not necessarily be the best rate for you based on your situation?  Let us have a look at what's available in conjunction with your financial position to identify the rate option which is best suited to you.

Debt Reduction

We've been in this industry for a while, and knowledge provides us with the expertise to offer you handy tips to manage your mortgage/s and help in reducing your debt.  Ask us for help with your situation - we'll make it easier.


Lenders We Use

We work with companies that are reputable in what they do.  There are leaders in various spheres of business, and we appreciate cooperating with them.

About us

dm consult mortgages + insurance was established off the back of “doing the right thing” by the clients. We help you by establishing what your financial situation is, what you require, and how we can help you achieve this. Based on our findings, we act on your behalf to approach lenders to attain your goal of property ownership (mortgage), business finance, refinancing from your current bank, refixing your mortgage, top ups to your current lending for smaller loans...


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