AU: +61 435 333 804 NZ: +64 9 88 44 44 4
AU: info@financeandbeyond.com.au NZ: info@financeandbeyond.co.nz
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Our Services
First Home Buyers Home Loans Investment Loans Refinancing & Restructuring Building Loans & Turnkey Contracts Commercial Loans Business Loans Asset Finance Equipment Finance Insurance & Asset Protection
Who We Help
Portfolio Investor Accountants Business Owners Doctors Lawyers Professional Services
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Select a preferred date and time, and one of our expert credit advisors will connect with you to review your mortgage requirements, borrowing capacity, and portfolio structures.

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Our Recent Reviews

"Farook Ketan and the team at Finance & Beyond were outstanding. As a self-employed business owner, traditional banks kept asking for endless documentation. Farook restructured our application using a self-employed income verification strategy, securing a highly competitive rate for our new commercial premises. Highly recommend!"

Marcus Davies

Business Owner, Christchurch

"Being first home buyers in Auckland, we were nervous about navigating deposit requirements. Finance & Beyond guided us through KiwiSaver first-home withdrawals and Kāinga Ora First Home Loan options. We bought our first home with a 5% deposit and optimized Low Equity Premium terms. Absolute game changer!"

Sarah & David Thompson

First Home Buyers, Auckland

"Farook Ketan was exceptional. He leveraged my professional registration with the Medical Council of New Zealand (MCNZ) to structure a high-LVR investment loan with competitive Low Equity Premium (LEP) terms. The process was fast, professional, and private banking quality."

Dr. Catherine Chang

Medical Specialist, Auckland

"We recently restructured three rental properties with Finance & Beyond. Farook structured stand-alone loans to un-cross our portfolio under NZ bank LVR rules, unlocking substantial equity for our next acquisition. Their knowledge of bank policies is unmatched."

Jonathan Vance

Rental Property Investor, Wellington

Frequently Asked Questions

What services does Finance & Beyond provide in New Zealand?
We provide expert mortgage brokerage, home loans, building loans, turnkey contract financing, loan restructuring, business financing, commercial property loans, and specialized lending for medical professionals across New Zealand.
Typically, a 20% deposit is required to avoid Low Equity Premium (LEP) or Low Deposit Premium (LDP) charges from NZ banks. However, first home buyers using KiwiSaver first-home withdrawals and Kāinga Ora First Home Loans can buy with as little as 5% deposit.
Low Equity Premium (LEP) or Low Equity Margin (LEM) is an additional fee or rate margin charged by New Zealand banks when borrowing over 80% of a property's value (high LVR). It protects the lender against high-LVR credit risk. We structure applications to minimize or waive LEP costs wherever possible.
A guarantor loan allows an immediate family member (usually parents) to provide a guarantee over a portion of your home loan using equity in their property. This enables you to borrow up to 100% of the purchase price plus costs without paying Low Equity Premium, requiring a smaller personal savings pool.
Under a Chattel Mortgage, you own the asset immediately at purchase, and the bank registers a mortgage over it. This allows you to claim depreciation, interest, and upfront GST inputs. In a lease, the financier owns the asset and rents it to you, with payments treated as operating expenses.