Mortgages done better

We work for your best interest, not the banks

Book an appointment
House

We take care of everything

From application to post settlement we work with you every step of the way! 

House

Clients love what we do

With a wealth of experience and a huge range of clients, no wonder we get so many repeat customers!

House

We give personal, expert advice

Clients love working with us, no 2 are the same so we will find the best fit for you!

Why BRM Financial for your next mortgage?

Mortgages done better

At BRM Financial, our mission is to help Christchurch & NZ clients find ideal mortgage solutions tailored to their unique financial needs and goals. Leveraging our deep understanding of the local market and long-standing partnerships with numerous lenders, we offer competitive rates and terms. Whether you're a first-time homebuyer, an experienced investor, or a builder seeking construction loans, we are dedicated to providing expert guidance and support throughout the entire mortgage process.

Learn more about us
BRM Financial Mortgages

What type of mortgage are you looking for?

Construction mortgages

Builder or building your own home? Talk to us as we specialise in construction loans.

Learn more

First home buyers mortgages

First home? Not sure what to do? Let us guide you every step of the way!

Learn more

Investment mortgages

Looking to increase your property portfolio? We can help!

Learn more

Refinance

mortgages

Let us help your restructure your current mortgage.

Learn more
GET PRE APPROVED
Dedicated to your situation

No two clients are the same, so we will find the best fit for you, your family and your business

Get Started
A white background with a few lines on it

We have financed several investment properties and I know he’s saved me a lot of stress, time and money. If you are looking for a great mortgage broker who listens and does what he says, Brads your man

 Phil Cramner

A white background with a few lines on it

Brad has been out mortgage ‘go to’ guy for 10 years now and over that time he’s proven himself to be a super knowledgeable and attentive

 David and Fiona Burrows

A white background with a few lines on it

Thank you so much for all your help and guidance, working with you was a fun and professional experience, and we refer all our friends to BRM for mortgage advice.



 James and Donna Wadlow

Professional mortgage advice and service

Why use a Mortgage Advisor?

A white background with a few lines on it

Independence

Banks work for their own interests, not yours. At BRM Financial, we’re here to put your financial goals first.

A white background with a few lines on it

Choice

We offer a wide range of lending options from multiple providers, giving you tailored solutions banks can’t match.

A white background with a few lines on it

Relationships

At BRM Financial, we work with a wide range of mortgage lenders, allowing us to build strong relationships and negotiate better deals on your behalf.

A white background with a few lines on it

One point of contact

At BRM, you'll have one consistent point of contact. Unlike banks, where staff frequently change, we handle all lender interactions, saving you the hassle.

A white background with a few lines on it

Save time and leg work

Most Kiwis only deal with mortgages every 5-7 years. At BRM, we handle it daily, staying on top of the market so you don’t have to.

A white background with a few lines on it

No cost to you!

Most mortgage brokers don’t charge, and at BRM, our advice is usually free since we’re paid by the banks. In rare cases of complex lending, a fee may apply, but it’s always discussed upfront.

Mortgage process

Getting a mortgage with BRM Financial is as easy as 1 2 3!

a row of white houses with black roofs

Step 1.

  • Initial discussion with our mortgage adviser

    After a quick chat, we'll assess your financial situation and borrowing options from various NZ lenders. We'll also guide you through the mortgage process, ensuring you're comfortable and confident every step of the way. Each bank evaluates loans differently, and we’ll pinpoint the best lender for your needs.

Step 2.

  • Application & Approval

    If we can help, we’ll dive into a detailed financial review. We’re flexible—whether it’s face-to-face, over the phone, or online, we meet at your convenience. Once we gather everything, BRM handles the applications and negotiates with lenders for you. If approved, we’ll guide you through the build funding process; if not, we’ll create a plan for future success. From start to finish, we ensure smooth progress payments and structure your loan to fit your goals, negotiating discounts and cash contributions where possible.

Step 3.

  • Post Settlement Care

    Gone are the days of setting a mortgage and forgetting it. At BRM, we ensure your loan stays optimized with regular reviews, interest rate negotiations, and re-fixing. Active management is key to minimizing interest and shortening repayment terms, keeping your mortgage cost-effective in the long run.

Need advice right now?

Mortgage Finance

We provide mortgage options from banks, non-banks, and specialist lenders for home buying or refinancing. Consider factors like rates, budget, and occupancy before locking in a fixed rate. First home buyers may qualify for a 'First Home Loan' using KiwiSaver, and family contributions are common. Our mortgage service is free, and we offer flexible meeting options to fit your schedule.


We assist with:


  • New mortgage finance
  • Refinancing
  • Building a new home
  • Gifted deposits
  • Investment properties


Banks update lending criteria regularly, affecting your borrowing capacity. Contact us for guidance and information.

Get Assistance

Mortgage FAQs

Got questions about what some of these mortgage terms are? Check out our frequently asked questions below!

  • Table Loan

    This is the most common type of home loan. Most lenders will allow a maximum term of 30 years. Most of your repayments in the early stages of your loan pay off the interest while most of your repayments in later stages of your loan pay off the principal (the original amount borrowed).

    You can take a table loan with a fixed rate of interest or a floating rate.

  • Interest Only Mortgages

    You pay the interest-only part of your loan and none of the loan itself, so the payments are lower and can make it easier on your cash flow. It is quite common to take an interest-only loan for a year or two and then switch to a table loan after that.

  • What are Revolving Credit Loans?

    Revolving credit loans work like a giant overdraft. You pay can go directly onto your loan account and bills are paid out of the loan account when they’re due. By keeping your loan balance as low as possible as often as possible means, you pay less interest because lenders calculate interest daily.


    You can make lump sum repayments onto your loan and re-draw any money up to your pre-approved limit.


    This takes a highly disciplined borrower because there is the risk of always drawing back to your limit and never repaying the original loan amount.

  • A Redraw Facility

    This is similar to a Revolving Credit facility where you have the flexibility to redraw any extra repayments you have made on your loan, but the safety net that your maximum loan facility reduces over a period of time to make sure you repay all the loan at the end of the loan term.


    Any extra repayments you make on your loan will help reduce your interest charges and therefore save you a substantial amount of interest over the long term.


    Any extra repayments you make will be available for you to redraw at any time without penalty.

  • Fixed Rate

    This is when you fix your interest rate for a period of time and can be from 6 months up to 5 years.  Some lenders may offer other options but these are the most common.


    The benefit is that your repayment is fixed and provides certainty for that period of time.

    If interest rates move down, your repayment does not as it is fixed for that period of time.  However, if interest rates go up, your repayment does not either.


    Keep in mind that if you are at a fixed rate and choose to repay your loan while you are still in your fixed rate period, there may be penalties charged to you by the lender.

  • Floating Rate

    This is where your loan moves with the current interest rate market.  So if interest rates go down, so does your repayment, and if interest rates go up, so does your repayment.


    Floating rate loans provide a little more flexibility and should you decide to repay your loan, there should be no penalties for do so while you are on a floating rate loan.