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AU: info@financeandbeyond.com.au NZ: info@financeandbeyond.co.nz
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Your Trusted Finance & Mortgage Broker

Helping ambitious professionals build multi-property portfolios through strategic lending.

5.0

(54 Reviews)

We solve financial puzzles that other brokers can't.

Ready to move beyond standard lending? At Finance & Beyond, we turn property goals into reality. We offer seasoned investors, ambitious homebuyers, and business owners the strategic guidance and tailored solutions required to navigate the complexities of today's mortgage landscape.

We understand that standard solutions limit wealth. That's why we focus on your specific future, developing a personalised strategy to maximise your borrowing power and market access. Our extensive lender network ensures we secure the optimal financing that drives your wealth forward.

Trust in our commitment: Transparent, Reliable, and Accessible expertise. Whether it's securing your first loan or building a multi-property portfolio, we provide the dedicated support you need to confidently achieve financial success.

Why investors stop short

Our latest 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
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The lenders shown below are members of our accredited or referral panel in New Zealand.

About Finance and Beyond

Our Services

First Home Buyers
First Home Buyers

Overview of First Home Buyers Embarking on the journey of purchasing your very first home in New Zealand is one of the ...

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Home Loans
Home Loans

Overview of Home Loans A home loan is more than just a monthly payment; it is the financial foundation of your family's...

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Investment Loans
Investment Loans

Overview of Investment Loans Property investment is one of the most proven pathways to building long-term wealth in New...

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Refinancing & Restructuring
Refinancing & Restructuring

Overview of Refinancing & Restructuring Mortgage interest rates and bank special offers in New Zealand evolve rapid...

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Building Loans & Turnkey Contracts
Building Loans & Turnkey Contracts

Overview of Building Loans & Turnkey Contracts Building a new home or purchasing an off-the-plan turnkey property i...

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Commercial Loans
Commercial Loans

Overview of Commercial Loans Investing in commercial property—whether it is an office suite, a retail storefront, an ...

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NZ FMA Regulated FAP
FSPR Registered Brokerage
Financial Markets Authority NZ

Ready to talk strategy?

Book a free appointment with our friendly team and we'll help you with your next steps.

Frequently Asked Questions

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.

Yes. We offer Low Doc (Low Documentation) lending options where income is verified using alternative documentation, such as 6 to 12 months of business bank statements, BAS filings, or an Accountant's Declaration.