Frequently Asked Questions
Your Questions, Answered
Navigating home loans and finance can bring up many questions. We’re here to provide clarity. Below are answers to some of the most common questions we receive. If you can’t find what you’re looking for, please don’t hesitate to get in touch for a personalised conversation.
A mortgage adviser is a qualified professional who acts as an intermediary between you and potential lenders. We conduct the market analysis for you, comparing products from over 30 different banks and non-bank lenders. The benefits include saving you time, often securing better rates through our expert negotiation, and having an expert handle the paperwork on your behalf. Our advice is tailored to your specific financial goals.
Our service is typically free for you to use. We receive a commission from the lender once your loan is settled. This commission is standard across the industry and does not add any cost to your loan. In certain complex commercial scenarios, a fee may be discussed upfront, but this will always be fully transparent and agreed upon in writing before we proceed.
Yes. We are a fully independent advisory firm. While we have strong relationships with over 30 lenders, we are not owned by or tied to any specific bank. This allows us to provide truly impartial advice and recommend the product that is genuinely the best fit for your needs.
Absolutely. Dura Capital Limited (FSP1008751) is an authorised body under the full financial advice licence held by Link Financial Group 2022 Limited (FSP1004590), issued by the Financial Markets Authority (FMA). This means we operate under a strict regulatory framework that requires us to prioritise our clients’ interests and meet high standards of competence, conduct, and client care.
Our process is straightforward:
Free Consultation: We discuss your goals, financial situation, and needs.
Assessment & Research: We assess your borrowing power and research the market.
Tailored Recommendations: We present you with clear options and our expert recommendation.
Application Support: We help complete forms, compile documents, and submit the application.
Liaison & Settlement: We negotiate with the lender and manage the process through to settlement.
We don’t just look for the lowest rate. We consider a wide range of factors including your financial goals (e.g., paying down debt fast vs. cash flow), the type of security, your income structure, and the specific features you need (e.g., offset accounts, revolving credit). We then match your unique profile to the lender whose criteria and products align best.
Yes, this is one of our key areas of expertise. Hareen’s senior banking background and our access to a wide panel of second-tier and specialist lenders mean we can often find solutions for clients with non-standard incomes, unique properties, or complex financial structures where mainstream banks have said no.
No. While residential mortgages are a core part of our business, our expertise is much broader. We also provide advice on:
Personal Loans and Debt Consolidation
Commercial Property Loans
Development and Construction Finance
Asset Finance for business equipment and vehicles
Trade Finance
We have access to all major banks (ANZ, ASB, BNZ, Westpac, Kiwibank, TSB, The Cooperative Bank & SBS Bank) and, crucially, a extensive network of non-bank and specialist lenders such as Heartland Bank, Avanti Finance, Basecorp Finance, and First Mortgage Trust. This wide access is what allows us to find the right solution for almost any scenario.
Absolutely. We frequently help clients refinance to secure a better interest rate, access equity in their property for renovations or investment, consolidate debt, or simply because they are unhappy with their current bank’s service. We handle the entire switch for you.
The amount depends on several factors: your income, living expenses, existing debts (e.g., hire purchases, credit cards), and the specific affordability calculators of each lender. The best way to get an accurate picture is to book a free assessment with us. We can give you a clear idea of your borrowing power in just minutes.
To provide accurate advice, we will typically need:
Proof of identity (Driver’s Licence or Passport).
Details of your income (e.g., recent payslips, financial statements if self-employed).
Details of your expenses and any existing liabilities (loans, credit cards).
Information about the property you are interested in (if you have it).
Timing can vary depending on the lender and complexity of the application. A straightforward application can often be pre-approved within 24-48 hours. Full approval usually takes up to 10 working days once all documents are submitted. For complex commercial or development finance, the process may take longer. We will always give you a realistic timeframe.