Mortgage advice

Whether you’re buying a new home or wanting to re-fix your current loan, our mortgage brokers can give you advice to suit your circumstances.

Illustration of house for sale requiring a mortgage

Mortgage advice that works with your budget

Whether it’s a new mortgage, renegotiating an existing mortgage, or any form of long term credit, interest rates vary. Our mortgage brokers offer online or in person mortgage advice to help you find the best structure to suit your circumstances.

Our office is in Richmond next to the Library, although many clients prefer to work with us via phone or virtual meetings - it's entirely up to you. The benefit of technology makes it easy to help clients outside of the Nelson Tasman region.

We offer a full range of mortgage broker services:

First home buyers

Investment properties

Trading up, down or relocating

Reverse mortagages

Refinancing existing mortgages

Loans for renovations, cars or holidays

Business loans

Debt consolidation

Buying a house is one of the largest purchases we make

Making sure you have the right home loan and repayments can literally save you thousands of dollars. Which means more money for spending today, or saving for tomorrow.

We take the effort out of shopping around and negotiating the best rate for your loan. Plus we can show you ways to pay off your mortgage much quicker and save thousands of $$$.

Book your FREE initial consultation

Illustration of person holding magnifying glass investigating financial advice

Meet our mortgage experts

Our mortgage team of Stuart Pope, Chevaun Marshall and Rebecca Gray bring years of professional experience. We can review your existing mortgage structure and interest rates and then let you know if we can do any better for you.

Talk to our team about your own situation

Chevaun Marshall

Mortgage Adviser. BBus, CPA

mortgages@castletrust.co.nz

Chevaun is a Mortgage Adviser with a wealth of skills. As well as a qualified Financial Adviser, she is also a qualified accountant with a Bachelor of Business majoring in Accounting and CPA. Having experienced the benefits of using a mortgage broker personally, she wanted to be able to help others with the same level of service that will get them into their own homes. She also has experience working for a large property investment company in Brisbane.

Book with Chevaun

Stuart Pope

Mortgage Adviser

mortgages@castletrust.co.nz

Stuart has two decades of experience as a Mortgage Broker – from helping first home buyers to complex commercial and multi-property investments. He previously owned his own mortgage broking business but simply became too popular and too busy. His attempt at retirement was short lived however, and he became a tutor for NZQA Certificate in Money Management. Joining Castle Trust lets him do something he enjoys but with additional office support.

Before Stu became a Mortgage Broker he owned his own hydraulic engineering business.

He is a member of Financial Advice New Zealand.

Book with Stuart

Why work with us?

Our team of advisers are on salary - not commission or bonus. We pride ourselves on giving solid, honest advice, then letting you make the decisions that feel right for you.

Chat to us about how we can help you

Fix, float or a bit of both?

Having a fixed interest rate gives you certainty – you know exactly how much you’re paying each month.

A floating rate allows you to pay off as much as you can without any penalties.

A combination of both fixed and floating may be the best solution for you.

See which is best for you

Thinking about investing or mortgage on a property investment

Calculate your mortgage repayments

Illustration of house with sold sign requiring a mortgage

Get in the house, stay in the house

As well as your mortgage there are two insurance issues which will need checking: insurance on the property and insurance on the borrower (you!). Part of our holistic approach means we can help work out what happens financially if you can’t earn due to illness or death, how that affects your ability to pay the mortgage and then check your insurance levels.

"The fact that David and I were able to get the keys to our first home was thanks to the team at Castle Trust. We had a bit of a more difficult situation with our financial set up, having expertise in the industry made it easier for us."

Lucy, Nelson

"My brother and I were able to buy our first house together at 22 and 21 years of age because of the team at Castle Trust. I have recommended them to my colleagues who also were able to get back into the market with Castle Trust's help."

Mitchell A.

"So grateful for Chevaun and Castle Trust for helping us reach our goal. The advice and commitment we received was amazing. Quick and easy responses, Chevaun and Stuart helped keep us on track. 100% recommend Castle Trust."

"The whole team have been magnificent with helping my partner Chatrina & I in buying our first house. We both work lots so having a team of people doing paperwork & finding the best options & deals really saved us alot of time. They helped us from pre purchase approval & the whole way through buying , mortgages , & even personal morgage insurance. They also help me with my personal finances now too. Would highly recommend! Many thanks to everyone at the Castle Trust team! Hopefully you can help in our first business venture too 😀"

Jay D.

Frequently asked questions

What services does Castle Trust offer as mortgage brokers?

We assist with first home loans, investment property financing, refinancing, debt consolidation, and more. Our team works with various banks and non-bank lenders to find the right mortgage solution for your needs.

Do I need a 20% deposit to buy a home?

Not necessarily. While a 20% deposit is standard, options exist for deposits as low as 5% through schemes like Kāinga Ora's First Home Loan. We can guide you through these options and their requirements.

Can I use my KiwiSaver for a home deposit?

Yes, if you've been contributing to KiwiSaver for at least 3 years, you may be eligible to use your savings towards a home deposit. We'll help you navigate the process and determine your eligibility.

How much can I borrow for a mortgage?

The amount depends on your income, expenses, and existing debts. Lenders assess your ability to repay the loan while maintaining your living expenses. We can help you understand your borrowing capacity.

What are the differences between fixed and floating interest rates?

Fixed rates offer consistent repayments over a set period, providing stability. Floating rates can fluctuate with market conditions, offering flexibility for extra repayments. We can help determine the best option for your situation.

Is there a cost for your mortgage advice?

For most clients, our services are free, as we're compensated by lenders. If a non-bank lender is involved or the situation is complex, fees may apply, but we'll discuss and agree on any charges upfront.

Can you assist with investment property loans?

Absolutely. We have experience helping clients finance investment properties, including understanding interest-only loans and structuring mortgages to align with investment goals.

What is the process of working with Castle Trust for a mortgage?

Our process includes an initial consultation, assessing your financial situation, exploring suitable mortgage options, assisting with applications, and providing ongoing support through to settlement.

Do you offer services to clients outside Nelson and Richmond?

Yes, while our office is in Richmond, we assist clients throughout New Zealand via phone or virtual meetings. We're equipped to provide comprehensive support regardless of your location.

How do I get started with Castle Trust?

You can begin by booking a free initial consultation through our website or by contacting our Richmond office. We'll discuss your needs and outline the next steps to secure the right mortgage for you.

Some of our mortgage partners,
plus a range of other specialist lenders.

The mortgage journey starts here

Whether it's for a first home loan, a new mortgage, top up or an investment property, getting a mortgage is a process.

We are here to make this go as smoothly as possible so you end up with the best mortgage to suit your own situation.

Learn more about what's involved in getting your mortgage

1. Contact us

Book your free initial meeting here or give us a call on 03 544 1428 to have a chat.

2. Mortgage Consultaion

We will collect some basic information and then discuss your options and provide you with information about applying for a mortgage.

3. Online Fact Find

Complete our online fact find so we can get more in-depth information about you and carry out a full mortgage assessment.

4. Mortgage Application

Complete our online fact find so we can get more in-depth information about you and carry out a full mortgage assessment.

5. Mortgage Preapproval

Once we have preapproval, you can start searching for your new home with advice on how to make an offer and what clauses to include.

6. Protect your Mortgage

Meet with our Financial Adviser to discuss mortgage protection insurance - it’s crucial you protect your earnings so you can pay your mortgage.

7. Talk to the Professionals

Appoint other professionals - lawyer, building inspector, accountant (if necessary) and get a quote for house and contents insurance.

8. Complete Final Approval Conditions

When you have found a suitable property and your conditions have been met, we will seek unconditional approval from the bank.

9. Finance Confirmation

We will confirm with your lawyer that all finance conditions have been met.

10. Discuss Loan Structure and Rates

We will discuss ways to structure your loan and provide advice around repayments, interest rates and terms.

11. Signing Loan Documents

Your lawyer will review your contract and the banks offer, then contact you to arrange to sign your loan documents.

12. Settlement

Once all the above is complete, your property settles, and you obtain ownership. Congratulations!!

13. Check In

If you have used your KiwiSaver for your first home, it is great time to check in with your Financial Adviser again to review your retirement savings.

14. Review

Every time you need to review your interest rates, we can negotiate rates with the bank and advise you accordingly.