MORTGAGES & LENDING
A better mortgage starts with a better conversation
Every lender has its own quirks, policies and little rules. Knowing them could be the difference between a no and a yes, and it's what we do all day.
No cost to you
Access to all the main banks
Straightforward advice
Kia Ora!
Business & Commercial
Commercial property, business acquisition, working capital. We know how to present a deal so it gets a yes.
Refinancing
Rolling off a fixed rate, or just not sure you're on a good deal? We can help you with this too.
Next home
Upgrading, downsizing or building. We line up your lending so you can buy with confidence and time it right.
First home
The deposit, the pre-approval, the terrifying first offer. We make the numbers make sense and get you to the front door.
WHAT WE HELP WITH
Whatever stage you're at, we've done it before
01. Have a chat
A free, no-pressure conversation about where you're at and what you're hoping to do. No paperwork needed yet.
02. We do the digging
We look at your situation, run the numbers, and work out which lenders fit.
03. Get your approval
We handle the application Along with the bank-and-forth with the bank, and keep you posted the whole way.
04. Get the keys
Offer, settlement, done. And we stick around for the refixes and reviews long after.
HOW IT WORKS
Simple, from first chat to the front door
Every lender has its own quirks, policies and little rules. knowing them could be the difference between a no and a yes, and it's what we do all day.
We find the angle others miss
One bank's no isn't every bank's no. Each lender has different criteria, and we know which ones suit your situation.
We present your case well
The same application can get a different answer depending on how it's put to the lender. We know what each bank needs to see.
We move when it counts
Auctions, rate locks, settlement dates. When timing matters, we act quickly to keep things on track.
We explain things clearly
No jargon and no assumptions. You'll always understand what's happening and why.
WHY EVERCARE
Finance advice without the finance attitude
See why are we're different
the stuff people usually ask
Frequently asked questions
We're here to help!
Dan Boswell
Mortgages & Kiwisaver
With a background in civil engineering and property development, Dan brings something rare to home lending and KiwiSaver: he's actually built the things other advisers only finance. From a first home through to a full scale development, he gets the deal done. And he makes sure your KiwiSaver is optimised, for a faster first home or a stronger retirement.
Jack Oades
MORTGAGES
With over 15 years of experience in banking and finance, I’ve built extensive expertise across commercial lending and specialist home lending. This depth of experience enables me to understand the unique needs of a wide range of clients and provide tailored lending solutions across home loans, commercial property finance, and business finance.
meet the mortgages team
From first home to forever
Jack is a fantastic mortgage broker.
He provided very sound advice throughout the process. Would highly recommend to friends and family.
Katie
Mitch at Evercare has been an absolute legend for my family and business.
Over the years, he's helped put the right insurance cover in place for my business, looked after my wife and kids' health cover, and recently went above and beyond to help get an important back surgery approved so I could get back on my feet and keep the wheels turning at work.
What sets Mitch apart is that he genuinely cares. He takes the time to understand your situation, explains everything clearly, and always works hard to get the best outcome. The service and support we've received have been outstanding from day one.
I can't recommend Mitch and the team at Evercare highly enough. If you're looking for an insurance broker who truly has your back, Mitch is your guy. Thanks again for all your help!
Matt Bennett
An Oade to Jack: In the world of mortgages and financing, it is common to feel like you need some form of guidance.
I certainly felt like that, until I was introduced to Jack Oades. In fact, about 5 different friends recommended him. Jack made all the difference for us. He was professional without being aloof, clear without being burdensome, and if I was to synthesise my experience into one statement, I would say this: he fought for us. He made it happen. When there was no way forward, he found one. To say that Jack went above and beyond would be an understatement, he went Buzz Lightyear out here. I highly recommend Jack to anyone looking for a mortgage or financial advice. Shout out Jack "Bloody" Oath (Oades).
Levi Marychurch
Jack and Mitch were great to deal with.
Friendly, professional and easy to understand. Highly recommend :)
Otumoetai Automotive
I had been comparing options for weeks and finally talked to Mitch...
As he guided me through all options and made it seem less stressful and ended up getting the cover needed after he explained everything and I really appreciate his help.
Sapphire Munns
