Frequently Asked Questions

 Pre-approval helps you understand your borrowing power and shop for homes with confidence. InterX Finance can review your financial situation and liaise with top lenders to secure a pre-approval tailored to you. Contact us to get started. 

 Yes. Options may include using KiwiSaver savings, lender programs, or leveraging existing equity. Our advisers at InterX Finance can guide you through all possibilities to make your first home purchase feasible. Ask us how. 

 Self-employed borrowers often need specialised documentation. InterX Finance works with lenders who understand business income, helping you verify earnings and secure a loan. Get personalised advice. 

 Yes. Refinancing can reduce interest rates, restructure payments, or free up equity. InterX Finance can review your current mortgage and negotiate better terms for your situation. Speak to an adviser 

 Absolutely. Investment property loans are available alongside residential mortgages. InterX Finance can assess your finances and structure the best solution for your investment goals. Contact us today 

 Commercial loans can finance property, equipment, or working capital. Our team at InterX Finance guides you through lender requirements, borrowing limits, and application processes to secure the right funding. Ask us for expert guidance. 

 Typically, you’ll need identification, proof of income, bank statements, and details of current debts. For business loans, additional documents like financial statements or business plans may be required. InterX Finance can provide a detailed checklist and guide you through every step. Reach out for support 

Yes. Lenders consider overseas income differently, but InterX Finance can navigate the process to maximise your chances of approval. Let our advisers guide you 

Extra repayments, offset accounts, or aligning payments with income cycles can reduce interest and shorten your loan term. InterX Finance can recommend strategies suited to your finances. Get expert advice. 

Absolutely. We offer ongoing guidance, mortgage reviews, refinancing advice, and investment support. InterX Finance stays with you through every stage of your financial journey. Connect with us for continuous support. 

Banks have strict criteria that don’t fit everyone’s situation. We work with many lenders who look beyond credit scores and traditional employment, finding options tailored to your unique financial picture 

 We specialise in low-doc and alternative loans designed for self-employed clients. We know how to present your income in the best way to lenders who understand your business.

 Yes! Several lenders are willing to work with clients who have credit issues or past defaults. We match you to lenders that offer flexible credit criteria.

 Absolutely. Some lenders have more flexible borrowing guidelines. We assess your full financial profile and find the right lender for your needs.

 We understand irregular incomes and access lenders who accept alternative documentation.

 We help clients with past credit problems find lenders willing to give them a second chance.

 Access loans that require smaller deposits or use family support options to get you into your home sooner.

 If your finances don’t fit a standard mould, we’re experts at crafting loan applications that succeed.

 Many lenders have strict rules that don’t fit everyone’s reality. We work with over 30 lenders who look deeper — at your full financial story, not just the numbers on paper.

Don’t let a blemish on your credit history stop you. We know lenders willing to give you a fair chance — and we’ll help you prepare the strongest application.

With options like guarantor loans and government schemes, we can help you buy sooner than you think.