The Home Buying Process
Step 1: Secure Funding
This is the step in which you calculate your current finances, look into what home loan you may be eligible for, and contact a mortgage adviser. First home buyers may be eligible for help with securing a deposit.
Step 2: Get a Lawyer
You’ll need a lawyer each step of the way, to manage the conveyancing from the previous owners to you. They will also help you establish your mortgage and advise you on legal issues.
Step 3: Find the Property
There are three types of home purchases in New Zealand.
Buying a Home through Negotiation
This is the most common type of home purchase, where a seller will advertise a home and a selling price. There is no need for an unconditional offer. You can submit your best offer and if the vendor accepts, you continue on to a sale and purchase agreement.
Buying a Property at an Auction
Another common method is sale at an auction, which is used when the selling price is unknown or there is a high chance of a competitive bid. Offers are unconditional, meaning if you are the highest bidder and you have hit the reserve bid threshold, you have made a legally binding agreement to purchase the house. Make sure you have all your paperwork taken care of – building inspections, valuations, and your LIM, etc.
Buying a Property by Tender
Similar to an advertised price negotiation, bidders submit directly to the vendor. However, all offers are submitted confidentially so you do not know how much you are bidding against.
Step 4: Negotiate with the Vendor and Settle
This is the part where you create and settle a contract. Make sure before you start negotiations that the house has been properly inspected and the title examined by your lawyer. Once the contract is signed, you’ll submit your deposit and transition into paying your mortgage instead of rent.
First Home Buyers:
More information below:
Don’t just take our word for it – check out our reviews!
"Absolutely awesome words can't describe it even when we were declined you fought for us and got us our first home loan amazing job never gave up 5 starts and more"
Ross & Briar Parfitt
"I've dealt with many brokers and lenders in my career, these guys were BY FAR the quickest and stress free to work with. Everything was so easy for a change, professional, to the point, and simple. Highly recommend them! Can't speak highly enough of this company!"
Leah Gibson
"Our bank of 10+ years couldn't get the job done. Jeff and his team did it in two weeks, absolutely hassle free. Really need an option for a 6 star rating as the type of personalised service you receive from iLender just doesn't exist anywhere else."
Simon Janssen
"Thank you Jeff and team. We have found a home and you have made it possible for our family. You have made the impossible look easy and we are very thankful with gratitude that you have worked on our behalf. Very happy and satisfied customer and we highly recommend your services to those that find it a challenge buying a home...Thank you ++++"
Talofaiaoe Uso
"I am a first home buyer, who had been battling for 7 months to secure a home for my family and I. Jeff was my third try at a mortgage broker/banker, and by the time I got to Jeff I'm just thinking about giving up, this is just too hard. Jeff brought assurance and calmness to my situation straight away. He answered all my questions with clarity, and without hesitation or annoyance. Just shy of 4 weeks since working with Jeff, I am now a home owner. I cannot recommend him enough!! Thank you for all your help Jeff."
Chantel Tavai
Google Rating
4.8
Based on 105 reviews
iLender Mortgage Brokers
4.8
Dave Kosoof
21:58 10 Apr 22
Jeff is a man of knowledge in this space and his advice second to none! Great advisor and always finding a solution!Highly recommend chatting to Jeff & his team. And local to the coast too 🙂
Kim Phan
19:52 08 Apr 22
Quick, straight to the point, got things done no issues. Everything was easy. No mucking around no excuses. Thanks K and J!
Steve Scott
23:32 23 Feb 22
Thanks so much to Jeff and Kimberley at iLender for their outstanding work at getting our home loan approved so fast.From the first phone call to getting the official “approved” Both Jeff and Kimberley were professional, calm and so helpful…we knew we were in good hands.Jeff and Kimberley were a pleasure to work with, always available to talk on the phone and very reassuring. They worked at speed to turn our challenging and stressful situation into a positive outcome.We are so grateful we were referred to iLender because without them we wouldn’t be enjoying our new home.Without doubt, the iLender team will be our first call for any future purchases.
Brett Leggett
16:50 04 Feb 22
What a wonderful team at ilender, we dealt with Jeff and Kimberley, they got us into our first home just before Christmas . They achieved for us what we thought would never happen, especially after trying 2 other brokers before them. Don't let a low deposit or past bad credit put you off If you want your first home definitely try Jeff and the team .
Teepers3001 Teeps
05:44 26 Jan 22
My situation was complex due to income level dropping following the end of a 28 yr relationship (not my choice). I was extremely worried about losing our family home of 17yrs, and very concerned that with the fast moving market I would end up stuck in a rental situation. I went to a well known broker at a local regional office who was reasonably discouraging to the point I didn't feel he had my back and was just going through the motions. I also talked to someone at Kiwibank, who I've banked with since they started and who have had our mortgage for 17 years, and got brushed off with little interest in the illogical aspects of me being unable to get a loan - eg the fact I would be paying more if I had to rent, and I also had an excellent track record of paying my mortgage. I found iLender after doing research into lending for self employed, and the response was so different - it was positive and encouraging - because what I did have in my favour beyond income level was very good equity in our house to use to buy my ex out. After months and months of trying unsuccessfully with another mortgage broker, being told by iLender that I could lend a decent chunk of what I needed opened the way to family help which eventually lead to the house coming into my sole name this week. My situation was complex but the fact someone was prepared to look at the positives in my situation rather than just a box ticking rejection was the vote of confidence I needed to move forward in keeping my home for myself and my children and future generations. My advice is if things look impossible, don't give up, there may be a way for you when the odds seem stacked against you. A huge thanks to Jeff and his team. At all steps along the way I felt treated with positivity and respect which is in contrast to what I got elsewhere.
Ted
21:42 25 Jan 22
Worst broker ever. I had a mortgage pre approved through iLender. Went to auction and won, paid 10% part of deposit to real estate company. I emailed iLender to let them know as per instruction if I win or not. Then I got told that’s not the property I was pre approved for even thought it was clearly presented through previous email. I fought back with the option if I don’t get that property the matter will be taken to court. It was a stressful event for me and my wife. A couple of weeks before the settlement date, I got another email it was all good to go but this time the amount was less which means we have to add another $60k towards the deposit. Then they correct their mistake but that didn’t end there. On the settlement day, my lawyer end up emailing me back and forth requesting my work contract and payslips and other documents the loan was still not finalize. Finally 2 more hours before the settlement end at 4pn on the settlement date the loan got approved Thanks to my lawyer. We paid $1500 to iLender for nothing.
Steve Punter
06:41 27 Dec 21
Jeff and the Team worked hard to get me the best deal and helped me overcome the bureaucracy at the bank. I would recommend iLender to anyone looking for a mortgage - so much easier than trying to do it myself. Thanks team!
Sarah Hill
11:19 24 Oct 21
We were very impressed with the service and advice we were given by Jeff and the team at ILender. We had a complicated house/land purchase we needed to finance and Jeff made it hapoen for us. Very grateful!
Aeneas McBurney
00:15 07 Oct 21
We called Jeff and team on Monday evening before a Wednesday finance date condition expiry after having no luck with banks up until that time. Jeff said he would have me an offer by Wednesday lunchtime and he was true to form. We were able to save our property purchase thanks to Jeff and his team. Cannot speak more highly of them. Thanks!
Suresh New Zealand
02:09 05 Oct 21
We were struggling to get our first home loan with bad credit score , we literally lost our hopes Tried so many places finally found this man Bruce .. He made our process so easy and quick and managed to get us a loan .. Now cant wait to buy our first home.. Thankyou very much Bruce .. to make to happen i will definitely recommend to everyone who wants to buy their first home 👍🏻😊
Ella Stowers
01:55 28 Sep 21
We were very happy with the service from Jeff and his team at iLender! Appreciate everything you do, great job. Look forward to working more with you in the near future.
Josh Crozier
21:36 07 Sep 21
Very happy with the service from the team at iLender! Appreciate everything you do, great job. Look forward to working more in the future.
Judith Ioane
03:17 09 Aug 21
Its been over 2 weeks since we have settled into our new home!I want to say first and foremost thank you soo much to Jeff and Kimberley. The professionalism and experience we received was fantastic! They seriously made the impossible POSSIBLE.Its humbling and a privilege to be in a position to buy a home in todays market. Jeff and the team at iLenders made this possible for our family.Thank you always xIoane Whanau
Brad Boakes
02:26 04 Aug 21
Jeff from iLender makes everything easy.If you're needing help getting a mortgage, give them a call. Jeff will ensure you get the best rates available and he'll also ensure the best mortgage structure to suit each individual situation.
mel maclean
22:50 02 Aug 21
Being self employed we really struggled to refinance our mortgage. Jeff found a great solution for us and we felt well looked after throughout the whole process. Will definitely be a return client when the time arises.
Chris Gore
02:25 26 Jul 21
Having been in the housing market for 28 years in two countries and multiple homes I have never experience such ease of doing business that I did with Jeff. Traditional banking was just red tape and to my request was beyond banking ability. One phone call to Jeff and I felt the tension and pressure lift off. Less than 48 hours later the loan was approved! I look forward to a long term business relationship. Excited about returning to NZ and enjoying our new home!Thank you Jeff
Pavel Diatchenko
23:36 23 Jul 21
Thanks to Jeff, Kimberly and the iLender team for helping us to secure a loan! Our situation required some extra steps, but the team took us through them and they were always available and able to answer our questions along the way.
jess paterson
01:56 15 Jul 21
We were really happy with Jeff and his teams service. We had a unique situation and Jeff managed to get lending across the line for us, when others couldn't. It was straightforward with no hassles. we would definitely recommend iLender to others.
Sonja Kirkley
09:40 12 Jul 21
Thank you Jeff and your team for helping us get finance when the banks turned us down. We couldn’t have done it without you. You were always available and answered all our questions promptly. You had patience and kept a positive attitude all the way. Not only did you get us finance for the house, you also organised house insurance and trust deed services. We look forward to doing further business with you and your team in the future. 5 star rating for iLender Mortage Brokers
andrew whatling
23:53 23 Jun 21
Fantastic experience dealing with iLender, many thanks to Jeff and his Team for making a challenging refinancing process a very simple exercise for me during a stressful time.All the very best for the remainder of the year !!Andy
Michael Whiu
01:11 27 Mar 21
Reviews speak for themselves, thanks Grant and the team at ilender for all your help.Cheer.
Lakshay Sharma
09:11 01 Mar 21
I’d like to thank Jeff for all the valuable advise he gave me months over months until we finally secured the lending just in time. We did miss something very important at the end but I appreciate Jeff’s commitment to getting it resolved. I’m sure we’ll have similar or even better experience in the future with iLender, now that we have secured our first lending together.Thank you Jeff!
Sophie Chung
01:30 01 Mar 21
Bruce is THE MAN! I went through half a dozen brokers who couldn't think outside of the box but Bruce MAKES IT WORK. He is fast-working, solution-driven, patient, gives great advice and a broker to have for life if you're wanting to grow your portfolio.
Andy Bruce
23:04 09 Feb 21
I got a lesson in communication from iLender, which I am going to embrace in my business going forward.The lesson: Get on the phone with your clients more often than you email them.It saves typing time going back and forth but, more importantly, you're showing the personal touch, coming across as an efficient business that gets things done.Thanks to Grant at iLender Mortgage Brokers. I cannot recommend them enough. Aside from the epic and timely communication, they got us a mortgage when others couldn't!
lucieious b
07:23 03 Feb 21
the team at iLender is amazing and i would highly recommend anyone looking at getting a mortgage get in touch with Jeff and Kimberly. thorough thew entire process they were fast, easy to contact, all ways on time and got the job done.Many thanks Luke B
Pavla Necasova
07:01 19 Jan 21
Great service as always from Jeff and Kimberley. They managed to arrange everything for us in time during a super busy period and we got a great deal. Many thanks for all your help. Looking forward to working together again soon!
Misa Mauatu
19:31 12 Jan 21
Thank you Jeff and team for all your hard work especially toward the Christmas holidays! You’ve made it happen for us and we’re excited to start the new year with a better deal for our home. All the credit goes to you and the team!Can’t recommend Ilender enough! Thank you again!!!! Very happy clients !!!!
Nick Dunlop
18:55 06 Dec 20
Jeff was able to sort finance out for us when we didn't think there was much hope of finding ourselves in our own home. Glad to be paying my own mortgage rather than someone else's!
leah gibson
03:33 02 Dec 20
Iv dealt with many brokers and lenders in my career, these guys were BY FAR the quickest and stress free to work with. Everything was so easy for a change, professional, to the point, and simple. Highly recommend them! Cant speak highly enough of this company!
nua vaai
00:42 02 Nov 20
It was great working with Bruce he gave us what we needed in a short time frame. Found it easy to talk and communicate with him, was very helpful and accommodating in all areas. Quick response and no misinformation and realistic and practical from the start.Very very happy customer and looking forward working with him again with our next project
Ed Fa'alaeo F
00:39 02 Nov 20
Thank you Jeff and team. We have found a home and you have made it possible for our family. You have made the impossible look easy and we are very thankful with gratitude that you have worked on our behalf. Very happy and satisfied customer and we highly recommend your services to those that find it a challenge buying a home...Thank you ++++
Zuleika Arenhold
08:39 30 Oct 20
Prior to going to BRUCE FOORD at iLender, we had 2 brokers who did the bare basic’s. Once we started working with Bruce Foord at iLender, we Noticed a remarkable difference in assistance with our home loan. He was very responsive and had great communication and assisted us each step of the way. Working with Bruce Foord at iLender was a breeze, and would DEFINITELY RECOMMEND!!Amazing honestly!Thank you Bruce Foord for going above and beyond to make our dream come true.
All Grass Mowing Rotorua
07:56 29 Sep 20
Thanks Bruce for all your hard work. Without you our dream would not have come true! Would recommend you to anyone looking for a mortgage.
0•G
07:22 30 Aug 20
Thank you Jeff so much for getting our loan through under extremely difficult and trying times with no fuss and responsive professionalism second to none.. If you are an owner business and are purchasing property as an expat or overseas investor Jeff and his team will make it happen. Thanks again so much for getting the loan purchase through we are truly great full.
Tashriq Hanif
22:53 27 Jul 20
Jeff was brilliant, we are NZ citizen working overseas and he made the whole loan process so seamless, we are already thinking of getting our second home and will definitely reach out to Jeff, thanks a million Jeff !!!!
Shane Scott
02:37 25 Jun 20
I was told there was NO WAY we could get a home loan, but I thought there must be a way. I looked randomly online and I saw iLender. At first I thought it was just another suspect finance company, but after doing some checking, i found out they are exactly what they say they are. I phoned iLender during the covid 19 lockdown, actually thinking no one would answer... wrong. Jeff answered and i told him about our situation, which was not good. We were both unemployed, no income and thanks to covid, stuck at my mother's. The only thing we had going for us was that we had some money in the bank. Jeff didn't tell me no problem or it's an easy process, but he did say it could be done. I told my family we could do this, they didn't believe me and thought I was dealing with a dodgy company. They couldn't of berm more wrong!!! I said to Jeff, apparently your the number 1 broker and let's see your magic. He said, if he can't do it, then no one can.... he was right, and he is NUMBER ONE. Jeff made time for us, kept in constant contact, he was always cool, calm and professional, which made me feel relaxed during the process. Her didn't promise anything he couldn't deliver, and he did deliver 100%. If you find yourself in a tricky situation, and need friendly, honest, professional, highly knowledgable expert advice for finance, I can't recommend Jeff Royle and iLender enough. We will be using their services again soon when we purchase further properties in the near future. If it wasn't for Jeff, we wouldn't of been able to take this first step leading on to the next for our future. If you are thinking of using a broker, use iLender with Jeff and his team, you will not regret your decision. My sincerest thanks to Jeff and iLender for giving me a chance and changing our life.Thank youShane Scott
glen easton
10:14 23 Jun 20
I cannot thank Jeff and his team enough. Helped our family into our first home and we are stoked! From start to finish it was super easy. Jeff was reassuring and a pleasure to deal with. Thank you so much for everything. We will never go to anyone else.
Justine Singh
01:00 28 May 20
THANK YOU TO BRUCE! YOU ARE A LEGEND!!! There are not enough words to express my thanks to ilender mortgage brokers who are professionals who truly care for people; especially my mortgage broker Bruce Foord. From the first point of contact via phone calls, emails etc until settlement and… beyond, I have had the privilege to have Bruce give me tremendous advice, has been always available for a chat (as I called him at all sorts of times in my moments of nervousness or panic in regards to buying my first home), he has been passing on positive energy with his wise words(everything will be okay or let me think about it and find a way for you). This is where the impossible becomes possible and dreams come true for real…. with those of us who experience challenges in either buying a house or needing advice on home loans, just pick up the phone and call ilender and talk to Bruce!! Thanks!!!Justine 28 May 2020 (now a first home owner)
Savanna Koteka
01:09 27 May 20
Jeff and his team took care of our family and made our dream of owning a home our reality. Can't fault their service and efficiency, after being let down by a previous business we thought our chances had greatly reduced would recommend to all!
Tessa Summerson
20:50 26 May 20
Bruce and the team and ilender mortgages were amazing to work with. As first home buyers everything was new and daunting to us but our fears were put at rest. When we first applied i didnt think we would have much luck due to our situation, but Bruce helped turn our dream in to a reality very quickly. Highly recommend him and the team, awesome service, professional/kind/understanding and put up with our 1000 questions!! thank you so much for everything.
Shannon Rodgers
01:02 20 May 20
Grant at iLender made our dream of owning our own home in Auckland possible, he is a true super star and we are so thankful. As business owners it is always a struggle to secure mortgages. If you want an amazing experience with professional service Grant is your man!
Bruce C
01:51 18 May 20
First, let me assure you Jeff isn't writing these reviews himself! He really exists, and I'm a real client with no other connection. We were referred to him by a broker who had been acting for us, but felt he could not help us any further.Jeff responded immediately that he could definitely help (not would "try to help") with what was clearly a tricky refinancing exercise. The proof of the promise was that he has delivered on it, coming up with an arrangement which was tailor made to our situation. As a bonus, we found him pleasant to deal with in what were stressful circumstances for us.My partner and I are extremely grateful to Jeff. From our experience, we would recommend Jeff very highly. We are also grateful to the previous broker, btw, without whom we might not have found Jeff.
Tangata Tangata
02:50 30 Apr 20
Jeff is amazing. When all the banks and their brokers said "no", Jeff not only said "yes" - he made it happen. He was there with us during our journey in the house hunt and now we have our home. Once the lock down is lifted, we look forward to sharing a drink.We're blessed to have met him and we are not surprised that he is the Specialist Broker for 2017, 2018, 2019. We're putting our money on him that he will be this years Specialist broker as well. Thank you again Jeff.
Chantel Tavai
23:55 25 Apr 20
I am a first home buyer, who had been battling for 7 months to secure a home for my family and I. Jeff was my third try at a mortgage broker/banker, and by the time I got to Jeff I'm just thinking about giving up, this is just too hard. Jeff brought assurance and calmness to my situation straight away. He answered all my questions with clarity, and without hesitation or annoyance.Just shy of 4 weeks since working with Jeff, I am now a home owner.I cannot recommend him enough!! Thank you for all your help Jeff.
Daniel Lucas
05:08 22 Apr 20
Jeff was brilliant to deal with, he had forethought and wisdom in dealing with my wife and I. He made good choices to help us establish a nestegg for the start of our family.I would warmly recommend him to any young family wishing to have a wonderful financial planner.Thanks Jeff!
Vivien Berthuol
02:20 16 Apr 20
Great service. Jeff is extremely responsive, and very helpful. I did not end up using their services because of Covid-19, nothing related to them. But if you struggle getting a loan mainstream, you should definitely reach out.
Khanty Keokotavong
22:11 04 Apr 20
On behalf of Thonglao Keokotavong, thank you again to Jeff. This is my third lending and dream home with you. If iLender hand not reached out to me, regarding how they could help with any aspirations, I would not have reached this point. Cheers for push the caring of your clientele.
Fred Ralaimihoatra
02:27 17 Mar 20
Thanks Jeff for getting us a deal across the line, within pretty 24hrs turn around! Quite impressed!
Julian Wigley
18:45 04 Mar 20
Bruce got us over the line on a tricky purchase 🙂 would and will happily use him and the team again 🙂
Simon Janssen
00:44 25 Feb 20
Our bank of 10+ years couldn't get the job done. Jeff and his team did it in two weeks, absolutely hassle free. Really need an option for a 6 star rating as the type of personalised service you receive from iLender just doesn't exist anywhere else. Thanks again Jeff!
Arlene Flores
02:50 04 Feb 20
Awesome, awesome job for Bruce Foord and his team. Our transaction went through smoothly with Bruce, who is always willing to pick up the phone no matter how trivial my questions were, anytime of the day. Will definitely recommend him to friends!
Baljit Minhas
00:44 04 Feb 20
Thanks for all the help, have really excellent experience to get through the mortgage transaction.
Trish O'Neill
05:41 18 Dec 19
Thank you for everything Jeff, we much appreciate all your time and effort on our behalf. Your communication was excellent and you got us great lending at a fabulous rate!
Matilda Toia
00:40 13 Dec 19
I am totally happy with the service that I received from iLender. They were efficient and professional in every aspect. Bruce Foord was the primary person involved with us. I would definitely recommend ILender to anyone who requires assistance with refinancing their home.Matilda Toia and Mike Anelu.
Helen Nalewakalou
11:21 11 Dec 19
So pleasant and easy to work with. Jeff is efficient and keeps you in the loop the whole time. Definitely would recommend.
Marshall Cowley
01:59 17 Oct 19
Knowledgeable and extremely professional. Jeff was patient with our many questions and explained every step of the way. Highly recommend his services.
Sal Kim
19:26 13 Oct 19
I would highly recommend ilender, Thanks for helping me crossed the line when my own bank couldn’t help. 5stars Jeff Royce!
Mr A Chapman-Barber
06:12 01 Oct 19
Jeff is great, highly recommend! If it wasn’t for him, we would’ve lost out on a huge deposit and our new home. He took our call from the other side of the world after having our bank and “go to broker” both say No to us! He helped us all the way to the end and we are so very Thankful. Thank you Jeff!
Mark Norris
08:33 20 Aug 19
Jeff is amazing! Thank you for working so hard to get us really great deal.Without Jeff I,m not sure we would be able to own our first home.Thanks Jeff A++
Hayley Mahuru
04:37 22 Jul 19
Cannot rate Jeff and the team at iLender highly enough! Jeff, Marilyn, Mo and Bruce all went the extra mile for us on more than one occasion and we are now happily settled in our new home. No question was too big or small for them and all our queries were always answered quickly and clearly. Highly recommend.
Bruno Bickerdike
00:36 15 May 19
Jeff helped us secure our new home when our bank who we've been with for 7 years said no. Jeff took the time to explain the process and helped to chase me up on things needed for the loan as we were on a tight time frame,. Jeff was great and even helped me when it came to sorting out our lawyer who dropped the ball a few times. Thanks 🙂
Kristie Phillips
04:43 06 May 19
Jeff never told us no! We where turned down for our mortgage else where but Jeff told us no problem I can make it happen.. we settled on Friday and couldn’t be happier, we brought our first home!
Chris Webster
03:29 06 May 19
These guys are amazing. We had less than 20% deposit and my income was from overseas. We had been turned down by many banks and brokers but these guys had two loan offers to us within days. We are now in our dream home. Would rate 6 stars if I could. Thank you!
Tenille McCombie
00:47 06 May 19
Jeff's expertise have seen my family and I finally get into our own home! We were led to believe this was impossible but Jeff and iLender made it happen for us! Jeff was great to communicate with, patient and the calm in the storm in our case which was complex! Always positive and very responsive! Highly recommend iLender's services!
Graham Smolenski
00:33 06 May 19
I have had a similar helpful experience from Jeff and his team to that of other reviewers.
GLENN FORD
22:59 23 Apr 19
I highly recommend Jeff Royal at ILender Jeff helped us through a very hard ordeal of purchasing our home he is very reliable & extremely good at what he does pursuing every possible avenue to get a positive result for us he is very professional we can't thank him enough I would have no hesitation recommending Jeff Royal at ILender
Sally Hibbard
05:30 04 Apr 19
Great work from Bruce achieving an outstanding result. Highly recommend.
Angie Edwardson
02:33 19 Mar 19
Jeff is amazing! Works really hard to get you the best deal. He has alot of patience, very helpful and great communication. He was able to get us a mortgage at a great interest rate and term through our own bank even though the bank said No to us initially. Highly recommended. A+++Angie and Dale 🙂
Warren Auths
03:24 04 Mar 19
I would highly recommend iLender - they think outside the box and work with you to achieve your goals. Our situation was not an easy one but yet Jeff and his team managed to work out a plan for us. We are ever grateful for this. We now own our own home - we never thought we would be in this position in December. Thanks for everything.
Brooke Papworth
17:25 22 Feb 19
Amazing, this is a very unique and special service. I was amazed at Bruce's skills and ability, his patience in responding to changes, ease of finding loans when the other banks had complex policies and introduced delays, and also the fact there was no other broker I could find in NZ who was able to do what he was able to do. Some of the other brokers who had been in the industry for 30 years said what Bruce did could not be done, well they were wrong. Also I should point out I used to be a mortgage broker, but in another country, Thank you Bruce, well done! You have a lifetime client. I look forward to being able to refer others to you, it's the least I can do.
Omar Hayat
00:40 18 Dec 18
Thank you Bruce and the team. They made the whole process so easy and fast. Highly recommended. They were knowledgeable, fast, friendly and most importantly trustworthy. Their customer service is fantastic. I would 110% recommend ilender and would give 10 stars if I could.
Todd Leeming
06:11 11 Dec 18
Highly recommend Jeff Royle, made the process very easy and communicated very well, will definitely be using Jeff again.
Adèle McLay
09:29 02 Nov 18
Thank you to Bruce and team, we are so grateful for your support. As you know we don't live in NZ, and had to unexpectedly refinance our mortgage on a NZ property very quickly. Your focus, commitment, service, professionalism and results were second to none!! We are so pleased to have worked with you. You made it easy even though we were half a world away in London. I highly recommend you and will be in contact again as we seek to further refinance our property assets at other times.
Marissa Galliford
23:47 16 Oct 18
I can't say enough about the amazing work Bruce and the team at ilender do! We were not able to go with the bank and he went above and beyond to find us a lender and make possible our dream to own our own home. i would highly recommend them, they are true miracle workers!
Gwynne Heatherbell
15:28 07 Aug 18
I'm a kiwi living abroad and getting finance from a bank isn't easy! I contacted Jeff and he was very efficient and helpful throughout the whole process.
Nikolay Perov
08:20 04 Jul 18
Many thanks to Jeff for his professional job on our first home purchase. It was a long way but Jeff made a lot of things easier and clear for us. Thanks for fast communication and reaction. We got excellent experience with iLender.
Vijay Kumaran
23:32 30 Jun 18
Thank you very much Jeff for the help to sort out our mortgage in a limited time schedule. Even though we were having so much stress, you have done it effortless communicating on daily basis and peace of mind; ofcourse thats what we needed and thats what we got. Thanks again, Vijay + family
Jenny Son
21:14 06 May 18
I would like to highly recommend Bruce. I have dealt with him with my recent re-finance application and I found him extremely knowledgeable and never seen a broker who knew so much about loans. My application was tough one but he processed it with so much ease and was with me and helped me throughout the whole process. He understood my needs very well unlike banks they don't really care. He was wonderful to deal with and made a tough application possible!
Chris O’Brien
07:06 20 Mar 18
What an absolute pleasure it was dealing with Jeff!!! He worked so very quickly, responded faster than any other broker I have used previously, helped us secure our mortgage, was very pleasant and helpful through the process!! We can’t say enough about how positive and helpful Jeff was and your absolutely insane not to AT LEAST chat to Jeff and see why he can do for your situation! HIGHLY RECOMMENDED AND WOULD REPEAT BUSINESS IN A HEART BEAT!
Gary Greenwood
02:17 15 Mar 18
Hi JeffI want to thank you for a first class service. I have used other brokers in the past but none have ever got me a written offer of a mortgage so quickly. My circumstances have never made it easy to get finance but when I called you on the phone and explained my position you said no problem. To be honest I thought another broker promising the world but no within 24 hours you was true to your word and emailed me an offer. I cannot believe how easy you made the whole process. I highly recommend you and your company and am sure I will be using your services again.Gary
Moira Brindle
11:01 18 Jan 18
Bruce is amazing! I was beginning to think I wouldn't be able to get a mortgage. After a 7 days, the broker I was initially using, said he wasn't having any luck and it didn't look promising. I contacted iLender and within 24 hours Bruce had a mortgage offer for me.If you're looking for a mortgage I would highly recommend contacting Bruce at iLender, he is very friendly, knowledgeable and offers amazing customer service.
Nikki Stewart
02:25 20 Dec 17
Bruce was amazing, the advice and help he gave us as first home buyers was essential and got us over the line and on the property ladder, along with a great interest rate! Thanks so much.
Cat Charm
20:00 24 Sep 17
Jeff and his team at iLeader helped us get our mortgage, they are amazing! so professional and a pleasure to deal with.We will definitely use them again in the future and cannot recommend them enough! Thanks again! 🙂
Nyssa Auld
08:50 20 Jun 17
Thanks to Jeff we have been able to buy our dream home. The banks wouldn't touch us as we were buying from Australia, and we were turned down by two other brokers who apparently specialise in overseas buyers! It was looking hopeless, but Jeff secured us a great loan. I would absolutely recommend him to anyone looking for a mortgage who doesn't tick all the 'right' boxes for the banks. We will be using him again when we need to remortgage!
Virgo Starr
12:48 03 May 17
Nothing to fault with iLender. Bruce was friendly, very understanding of my situation and overall outstanding in his professionalism. Another bonus is the communication was excellent throughout the loan process. Wouldn't have gotten through any of it without him and his team. Will be dealing with Bruce and iLender in the future. Recommended to all. Need help with finances? Give Bruce a call. A++ 🙂
Rangimarie Bassett
01:45 13 Feb 17
My husband and I have used Jeff's services at ILender three times, over the past several years. We kept going back to Jeff because he has provided quality, efficient service every time and successfully obtained the results we wanted. Plus, each experience was hassle-free which was a bonus because my husband travels a lot with his job. Jeff and his team are just awesome and I would certainly recommend him highly to others. Thanks Jeff.
Cassandra Butcher
21:30 09 Jan 17
Poor service. Very long process. Unorganised. Additional fees when a more better option is located. Very expensive process will never ever use these people ever again. Do not ever recommend to anyone no matter what your circumstances are.
Ann Tao
00:48 27 Oct 16
Bruce and iLender just made our dreams come true. Awesome and efficient service. The service fee is reasonable. We definitely recommend Bruce and iLender to help your borrowing. Thumbs up!!!
Nick Schembri
21:53 23 Oct 16
Jeff was fantastic. I had complicated requirements and the process was drawn out due to me being overseas. Jeff was patient and dedicated to getting my re-finance approved and I cannot hesitate to recommend him to anyone who wants a mortgage broker who actually cares and is good at their job!
Kahu Whiu
20:59 12 Oct 16
Amazing team of people at iLender. I had no issues at all with them and as a first home buyer they made life easy for me. I appreciate the assistance they have given me. They answers questions promptly and are happy to deal with simple questions most first home buyers would have.All the people I dealt with had a great personality which made dealing with them even easier. I highly recommend iLender to all first home buyers.
Hayden Searle
08:05 01 Sep 16
These guys certainly earnt their money with me 🙂 I wasn't the most straight forward refinance they've ever had, and at the 11th hour when all seemed lost Cristina pulled a rabbit out of the hat. Great interest rate, and a comfortable refinance, matched with, after talking to a number of brokers for this, unparalleled customer service and dedication to their task. We will be back, and I'll be recommending them highly to any and all that are looking for lending. Cant express enough how simple they made the process during an incredibly stressful time in my life
joel buckley
01:59 15 Jul 16
Bruce was brilliant in securing our first mortgage. There were many areas that it could have fallen down, but Bruce negotiated them all successfully.The team at iLender dealt with us in a thorough and professional way and we couldn't have don it with out them. Highly recommended.
Emma Foley
05:11 14 Jul 16
We can highly recommend Bruce and iLender. He really listened to us and gave us hope that we could actually buy a property with a 10% deposit. Bruce has been on the end of the phone whenever we needed and meet up with us also. Now we own our first property thanks to Bruce's kind and calm way about getting all the paperwork together for us! Thank You Bruce! Very happy first time buyers!Emma and Leon Foley
brook upson
07:46 29 Apr 16
Thank you very much for assisting us. I can see why you have pages of positive reviews.We got below market rates and a higher cash payment than the banks were offering, all done quickly.
thonglao keokotavong
02:50 17 Apr 16
My home loan application was some what complex. Jeff was able to secure a loan for me where banks and other broker firms could not. This is a credit to his experience and knowledge.I enjoyed that he took time to educate me aspects of the financial market.In short informative, trustworthy and accountable.
Craig Caminos
02:31 04 Jun 15
Jeff Royle is extremely knowledgeable. He secured mortgage re-financing allowing us to progress a large-scale renovation project. Our situation was not straight-forward, but Jeff, unfazed, delivered the goods. I can not over-state our recommendation.
Chamon Ford
09:27 18 Sep 13
I would like to thank Jeff and his team for assisting us in getting finance when everyone else said no. He went above and beyond to make it happen I wouldn't hessitate to recommend him to anyone that needs advice or help to get finance.Thanks again Chamon and Grayson
Emma Renae
12:52 21 Aug 13
Helped us get our first home! Great advice and sorted everything out for us, even got us a better rate than our bank offered us... Definitely recommend to anyone looking to buy or just want to make sure they have the best deal compared to their bank!
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