Mortgage advice

There are many types of mortgages available on the market and it can be confusing to know which one is right for you, so we have have outlined the basics below. To seek further advice from one of our qualified mortgage advisers.

A number of factors will determine if a mortgage rate is a good rate, and these factors always relate directly to your circumstances. A mortgage rate that is good for you, may not be good for someone else. Relianz Loan Bazaar will help you get the best rates.

first home buyers

On the face of it, buying a home is considered to be a complicated and worrying process, but it does not need to be. We can guide you through the process and can offer expert mortgage advice specific to your circumstances.


Buying a home takes a number of weeks, as there are a number of different factors that need to be taken into account. Our advisers will discuss your personal circumstances with you, such as your income, outgoings, future plans and savings.


Remortgaging is where you switch the mortgage on your home to another lender or negotiate a better deal with your existing one. It effectively means replacing your current mortgage contract with a new one.


There are many reasons why you may wish to remortgage, but they usually fall into one of three categories. No matter what your reason may be though, it's important to speak to an adviser beforehand.

  • Securing A Better Deal

  • Protection Against Rate Rises

  • Releasing Equity

Mortgage restructuring

A homeowner generally applies for a mortgage loan restructure to obtain affordable monthly payments and keep the home. A mortgage restructure takes place when the borrower and lender work out new repayment terms on an existing mortgage. 


The way your mortgage is structured today doesn’t have to be the way it’s structured tomorrow. What are your goals? To free up funds, reduce your monthly nut, or pay off your loan more quickly? These three strategies offer something for most everyone.


  • Send in extra money to pay down principal

  • Recast your mortgage

  • Refinance your loan

top up

If you’ve been thinking about starting that project – like a new bathroom, kitchen, or even a deck for summer, you can do it now. Topping up or redrawing on your home loan could be a simple way to help.

To top up your mortgage you'll need to have more than 20% [approx.] equity in your property. You may already have equity in your property, or you could have built equity from the value of the property increasing, or through your repayments having reduced your loan.


We can get you the best rates on loans from different banks.


business & commercial loans

As we have relationships with a range of business and commercial lending specialists and major banks, Relianz Loan Bazaar able to assist with business finance for expansion, investment funding, leasing, purchase or refinance of commercial properties, retail shops, industrial land, factories and offices or cash flow lending.

Relianz Group, is a local Kiwi-Indian business, serving the community since 2008. Based out of Sandringham, Auckland, the group has grown from the parent business of Forex, into Travel and Mortgages.

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