Why choose us?
We have vast experience in all areas of home lending and have helped thousands of clients in the Manawatu and across New Zealand.
Whether you’re a first-home buyer, refinancing, or need lending advice, we offer expert, personalised support. We’re approachable, knowledgeable, and available anytime, anywhere – meeting wherever suits you!
Focused on the best outcomes, we prioritise genuine connections over numbers.
First Home Buyers
Buying your first home is an exciting milestone, but it can also feel overwhelming.
At Toby Ferreira Mortgages, we’re here to make the process simple and stress-free. With over 50 years of combined lending experience, we understand how banks assess applications and use that knowledge to get you the best possible outcome.
We’ll guide you through every step, from understanding your borrowing power to securing the right loan—making sure you feel confident and supported along the way.
Home Lending
Whether you’re upgrading, refinancing, or needing extra funds, we’re here to help. With our extensive knowledge of bank policies and lending criteria, we tailor solutions to suit your financial goals.
We advocate for you, presenting well-structured applications that make the process smooth and efficient. No matter where you are in your property journey, we ensure you get the best lending options with a personal, expert touch.
Refixing
When it’s time to re-fix your mortgage, having the right advice can save you thousands. We stay ahead of the process, helping you navigate rates, terms, and lender options to secure the best deal for your situation.
Our strong relationships with banks and deep industry knowledge mean we can negotiate the most favourable terms, making the re-fix process effortless.
Let us handle the details so you can focus on what matters most.
Construction Loans
Whether you’re building on a new site or making a few changes to your existing home, we can help.
Construction lending can be seen as a complex area to work in. Here at Toby Ferreira Mortgages we have extensive experience in navigating the ins-and-outs of construction loans – let us deal with the details while you get on with planning your dream home!
Investment Property Lending
Whether it’s your first investment property or you already have an extensive portfolio we can provide expert guidance to ensure you secure the right loan with the best possible terms.
Simplifying investment lending by helping you structure your mortgage for long-term success.
With extensive industry knowledge and strong lender relationships, we tailor solutions that align with your investment strategy, making the process smooth, efficient, and stress-free.
