Home loans & mortgages
Home loans tailored to your Canterbury property dreams.
9 Yards helps first-home buyers, refinancers, investors and second-home buyers compare lenders, prepare paperwork and understand the next step.
What we sort
- Compare options from a wide panel of lenders
- Prepare and submit paperwork
- Explain loan structures in plain English
- Keep supporting you after settlement
Your advisers
Start here
See what you could borrow.
Construction lending
Building a new home?
Construction loans work differently from standard home loans, and lender rules vary a lot. We match your build to a lender and loan that suit it.
Fixed-price builds
Funds released in stages (progressive drawdown) as each build payment falls due.
House and land packages
Buying the section and building, financed as one plan.
Turnkey
A deposit up front, then the balance when the home is finished.
Spec builds
Building to sell, for builders and investors.
Investment builds
New homes built to rent out.
Developments
Multi-unit and subdivision projects.
Lender criteria, terms and conditions apply.
Straight answers
Common questions.
What do I need before getting in contact?
To get in touch and have us start to figure out your situation you don’t need anything. However some things we’re likely to need for an application are: ID, payslips, bank account statements.
What information do I need to supply for my loan application?
To process an application, we require your driver’s license details and 12 months employment history. We will also need to know your income, an estimate of your expenses and details of any loans you currently have. These need to be supported by a copy of your last 3 months of bank statements.
The bank statements are now uploaded through a third party in most cases during your application.
When do I need a Solicitor?
It varies depending on the type of offer you’ll be putting on a property.
If you’re buying at auction or putting an unconditional offer in on a property then you’ll want a solicitor before putting your hand up in the auction room or putting the offer on.
If you are putting a conditional offer on a property then you can organise a solicitor after the offer has been accepted.