Book a home loan chat
Understand What’s Possible Before You Apply
Whether you’re buying your first home, planning a move, refinancing, or just trying to understand your options, this free phone appointment is designed to give you clarity around what’s realistically possible.
We’ll talk through your goals, deposit, income, borrowing position, and next steps, so you can understand your home loan options before making any big decisions.
No pressure. No bank sales pitch. Just straightforward mortgage advice from Duane Aarts, a Christchurch-based mortgage adviser with 25+ years of banking and lending experience.
Let’s Talk About Your Home Loan Options
Book a free 20–30 minute phone appointment with Duane Aarts, a Christchurch-based mortgage adviser with more than 25 years of banking and lending experience. Whether you’re buying your first home, upgrading, refinancing, or simply trying to understand what’s possible, this conversation is designed to give you clarity around your options and next steps.
What’s the time commitment?
Most initial calls take around 20–30 minutes, but we can take longer if needed — especially if you’re buying your first home or have lots of questions.
What do I need to prepare?
A rough understanding of your income, deposit, debts, and goals is enough for an initial conversation. You don’t need to have everything figured out before we chat.
What happens after the call?
If you decide you’d like to move forward, I’ll explain the next steps, what documents may be needed, and which lending options could suit your situation.
Choose a Time That Suits You
Book a free phone appointment with Duane Aarts using the calendar below. If you can’t find a suitable time, feel free to get in touch directly.
Book Mortgage Advice Christchurch – If you can’t see the calendar, click here to book directly or send me a message.
Frequently Asked Questions
What happens during the appointment?
We’ll talk through your current situation, including your income, deposit, goals, and future plans. I’ll explain what lending options may be available and help you understand what your next steps could look like.
Is there any cost or obligation?
No — the initial appointment is completely free, with no pressure or obligation to proceed. The goal is simply to help you understand your options and whether home ownership or refinancing is realistically possible for you.
Do I need a 20% deposit before we talk?
Not at all. Many buyers speak with me before they have a full deposit saved, especially first-home buyers wanting to understand KiwiSaver, low-deposit lending, or what they may need to work toward.
Can you help with KiwiSaver and First Home Loans?
Yes — I regularly help first-home buyers understand KiwiSaver withdrawals, Kāinga Ora First Home Loan options, deposit requirements, and how different lenders assess applications.
What documents do I need for the first appointment?
For an initial conversation, a rough understanding of your income, deposit, debts, and goals is usually enough. If you decide to move forward afterward, I’ll explain exactly what documents may be needed.
Do you only help first-home buyers?
No — I also help clients refinancing, investing, building, upgrading homes, restructuring lending, and reviewing existing mortgage arrangements.
Can appointments be done remotely?
Yes — appointments are usually completed by phone or online, and I work with clients throughout Christchurch, Canterbury, and across New Zealand.