Understand What’s Possible Before You Apply
Book a free home loan chat and get clear guidance on your borrowing options, next steps and what lenders may look for.
Whether you're buying your first home, planning a move, refinancing or simply trying to understand your options, this appointment is designed to give you clarity before making big decisions.
We’ll talk through your goals, deposit, income, borrowing position and what you’d like to achieve, then outline the next steps that may suit your situation.
No pressure. No confusing jargon. Just straightforward mortgage advice from Duane Aarts, a Christchurch-based mortgage adviser with more than 25 years of banking and lending experience.
BEFORE YOUR APPOINTMENT
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. We can take longer if needed, especially if you’re buying your first home or have a few questions to work through.
What Do I Need To Prepare?
You do not need to have everything figured out before we talk. A rough idea of your income, deposit, debts and goals is enough for an initial conversation.
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.
CLIENT REVIEWS
Book With Confidence
Many clients book their first appointment because they want clear answers before applying. See what home buyers say about the guidance, communication and support they received from Canterbury Home Loans.
Still deciding whether to book? Read more feedback from local clients on our mortgage broker reviews page .
BOOK YOUR APPOINTMENT
Choose A Time That Suits You
Book a free phone appointment using the calendar below. Choose a time that suits you and we'll talk through your situation, answer your questions and help you understand what may be possible.
If you cannot find a suitable time, feel free to get in touch and we'll see if another appointment option is available.
BOOKING QUESTIONS
Frequently Asked Questions About Booking A Home Loan Chat
If you are thinking about booking an appointment, these answers explain what to expect, what to prepare and what happens after the first conversation.
How long does the first home loan appointment take?
Most first appointments take around 20–30 minutes. If your situation is more detailed, or you have several questions, we can take a little longer if needed.
What do I need to prepare before the call?
You do not need to have everything ready before booking. A rough idea of your income, deposit, debts, savings, KiwiSaver balance and what you are hoping to do is usually enough for an initial conversation.
Does it cost anything to book an appointment?
No. The first home loan chat is free. It is designed to help you understand your options, ask questions and decide whether you would like to move forward.
Can I book if I am not ready to apply yet?
Yes. Many people book before they are ready to apply because they want to understand what may be possible, what lenders may look for and what they can do to prepare.
What happens after the first appointment?
If you decide you would like to move forward, we can talk through the next steps, what documents may be needed and which lending options could suit your situation.
Can you help first-home buyers?
Yes. First-home buyers are one of the main groups Canterbury Home Loans works with. We can help you understand deposits, KiwiSaver, pre-approval, lender requirements and the steps involved in buying your first home.
Can you help if I already have a mortgage?
Yes. Canterbury Home Loans can help with refinancing, reviewing your current lending, moving house, restructuring a loan or understanding whether your current setup still suits your goals.
Is the appointment by phone or online?
Most appointments are completed by phone, which keeps the process simple and convenient. If another option is needed, we can discuss what works best.