Services
Mortgages in New Zealand aren’t one-size-fits-all. That’s why Skylight offers a range of services tailored to different life stages and financial goals. From first home buyers to seasoned investors, refinancing to business lending, you’ll find options designed to fit you. Explore the services below—each one has its own page where you can learn more about what’s involved, what to expect, and how we can help.
Home Loans
We arrange home loans in Auckland and across New Zealand with clear, simple steps from start to finish. Skylight compares lenders for you and helps you choose a loan that fits your lifestyle and future plans. Before you sign anything, we take the time to walk you through the repayments and conditions line by line, so you know exactly what you’re agreeing to and feel confident moving forward.
Mortgage Refinance
We handle mortgage refinance in New Zealand so you can see the real savings before you make the switch. Whether you’re looking to lower your repayments, shorten your loan term, or free up cash for other goals, we’ll compare options across lenders and show you the impact in clear dollar figures. You’ll see the costs, the savings, and the trade-offs side by side—so you can refinance with confidence and breathe a little easier each month.
Loan Restructure
Talk to us about restructuring your home loan in New Zealand and setting repayments that better fit the way you live now. If your current terms no longer work for you—because of interest rate changes, income shifts, or new goals—a loan restructure may help. We’ll walk you through what can be changed, what it could save you, and how it will affect your month-to-month cashflow, so you can adjust your lending with clarity and confidence.
First Home Buyers
We help first home buyers in New Zealand set a clear buying plan and secure pre-approval so you can start your journey with confidence. From the outset, we lay out each step in simple terms and explain the conditions, grants, and bank requirements in a way that’s easy to follow. We stay beside you at every stage—checking in, answering questions, and making sure you always know what’s coming next. By the time you’re ready to make your first offer, you’ll understand your budget, your options, and your next move.
Property Investors
Building a property portfolio takes more than just buying the next property—it requires the right finance strategy. We structure investment property loans nationwide so each purchase is set up to support the next, helping you grow in a sustainable way. We look at your overall position, borrowing power, and long-term goals, then match you with lenders and loan structures that work for your strategy. It’s about making smart, informed choices—not just fast ones—so your portfolio can grow with less stress and more confidence.