Your Local Mortgage Experts

It’s more than just Mortgages, it’s about helping your financial dreams come true!
 
Successful client outcomes in last 12 months
0 +
Settled loans in last 12 months
$ 0 Mill+
Loans settled since 2003
$ 1 Bill+

ABOUT US

Waikato’s Trusted Mortgage Partner

At CMA, we help you find the right loan product, with personalised one to one advice and “service second to none!”

We’ll ensure you get all the options in plain language. Let us do all the hard work for you in finding the most competitive mortgage terms that’s right for you. And, what’s more, it’s totally free!  

We also work with the top Insurance Advisers in the region and are happy to refer you to ensure your risk protection requirements are met, and best suited to your personalised situation. 

How it works: Simple 4 step process

Let’s Chat

We start with a friendly, no-obligation conversation to understand your goals, financial position, and what you’re looking to achieve.

Explore Your Options

We compare a wide range of lenders and loan products, presenting your best options in clear, easy-to-understand terms.

We Do the Hard Work

From application through to approval, we handle the paperwork, negotiations, and communication with lenders on your behalf.

Settle with Confidence

Once approved, we guide you through to settlement and beyond—ensuring everything runs smoothly and you feel confident every step of the way.

Find the Right Fit

Mortgage Types

Explore a range of mortgage types designed to suit your goals, lifestyle and financial situation.

Floating Mortgage

Enjoy maximum flexibility with a mortgage that lets you make extra repayments and pay off your loan early, all while your interest rate moves with the market.

Fixed Rate Loan

Lock in a set interest rate for your loan term, giving you certainty over your fortnightly/monthly repayments and protection against rising rates, so you can plan your finances with confidence.

Revolving Credit

A flexible lending structure that allows you to treat part of your home loan like an everyday bank account. By depositing your income directly to the loan, you reduce the outstanding balance and interest charged, while still retaining access to those funds when needed. Perfect for irregular incomes, completing renovations or unexpected expenses.

Interest-Only Mortgage

Make interest-only payments for a defined period to manage cash flow, reduce upfront costs, and focus on building equity before transitioning to full principal and interest repayments.

Off-set Mortgage

An offset mortgage (offered by selected lenders) allows you to link one or more savings accounts to your home loan. The combined balances reduce the interest charged while keeping your funds accessible. With less interest applied, more of your regular repayments go towards reducing the principal - helping you pay off your loan faster without increasing your repayments.

Tideover Finance

Secure your new home without needing to wait for your current property to settle, helping you act quickly when the right opportunity arises. This is commonly used when settlement dates don't line up between transactions. The sale of your existing property must be unconditional before this type of finance can be approved.

Real Words. Real Results.

What Our Clients Say

"Can’t recommend Phil enough. Easy to deal with and great communication throughout the whole process. He is most definitely all about the client."
M de Crom
"Lisa, you are absolutely amazing. Thank you for all your hard work and for making everything so easy! Would highly recommend."
L Goodwin
"Hey Dan, Thank you so much for everything you have done - you have been amazing! We will definintely recommend you. Thanks again."
J Hill & J Pratt

Lenders We Work With

We work with a wide range of lenders to give you more finance options, helping secure the most competitive deal tailored to your individual needs.

GET IN TOUCH

Let’s Talk About Your Home Loan

Book a free no-obligation consultation. We’ll review your situation and present your best options – all at zero cost to you.

Contact Form

Free consultation. No obligation. Response within 24-48 hours