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At Stephanos Financial Solutions, we understand that buying a home is one of the biggest financial decisions you’ll ever make. Whether you’re a first-home buyer, upgrading, or investing, our goal is to make the process simple, transparent, and stress-free.
We work closely with New Zealand’s leading banks and lenders to find competitive home loan options tailored to your lifestyle and financial goals. Our advisors guide you through every step — from loan comparison and pre-approval to settlement — ensuring you feel informed and supported.
Services offered by Stephanos Financial Solutions:
Our team of experienced professionals delivers personalized, results-driven financial strategies tailored to your unique goals. Where transparency, trust, and long-term success meets.
We take time to understand your goals, lifestyle, and budget, ensuring you get a home loan solution that genuinely fits your needs — not a one-size-fits-all offer.
From pre-approval to settlement, we handle the paperwork, negotiations, and communication — so you can focus on finding your home while we manage the details.
We help you understand KiwiSaver withdrawals, Kāinga Ora grants, deposit requirements, and the full process so you feel confident every step of the way.
With strong relationships across major banks and trusted lenders, we compare multiple options to secure competitive rates, flexible features, and better long-term value.
Our key features are designed to provide you with the tools and insights needed for financial success. We offer personalized financial strategies real-time market analysis, expert investment management, and comprehensive risk assessment. With a focus on transparency and client-centered solutions.
A home loan is financial support that helps you buy a house and pay it off over time. Most banks require at least a 20% deposit for existing homes. However, first-home buyers may qualify for low-deposit loans (10% or even 5%) depending on lender criteria, income, and credit history. Kāinga Ora First Home Grants and KiwiSaver withdrawals can also help boost your deposit.
A fixed rate stays the same for a set period (e.g., 1–3 years), giving you repayment stability. A floating rate can rise or fall with the market, offering more flexibility such as making extra repayments without penalties. Many borrowers choose a split loan to get the benefits of both.
A lender reviews your income, expenses, credit history, and deposit to determine how much you can borrow. Pre-approval helps you understand your buying power and shows sellers you’re a serious buyer. It typically lasts 60–90 days.
Yes. If you’ve been contributing to KiwiSaver for at least 3 years, you may be eligible to withdraw a large portion of your savings to put toward your first home. You may also qualify for the Kāinga Ora First Home Grant if you meet income and property criteria.
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