Talk to a mortgage broker about home and investment loans in Tauranga and Pāpāmoa

Whether it's a first home in Pāpāmoa or Welcome Bay, a move up to Bethlehem or Ōtūmoetai, a rental near the Mount or a refix on the home you're already in, the questions tend to be similar. How much deposit you'll need, how a lender looks at your income and what a new build or a holiday home means for the loan all come into it, and the answers can differ from one lender to the next.

Pop a few details about your plans into the short form below and we'll pass them to one mortgage broker or lender, who can get in touch to talk through your home loan options with you.

Tauranga is a city shaped by the water. The harbour wraps around the city centre and the western suburbs, while Mount Maunganui and Pāpāmoa stretch out along the ocean beach on the other side of the harbour bridge, so wherever you live you're never far from a beach, an estuary or somewhere to launch a boat.

Tauranga took a while to get going after it became a borough in 1882. Things really picked up once dairying grew in the neighbouring districts and the deep-water port opened at the Mount, and later kiwifruit and other horticulture took off around the city, while plenty of people have moved here simply for the lifestyle.

These days it's the largest city in the Bay of Plenty, with the University of Waikato's Tauranga campus in the heart of the city and Hamilton an easy drive over the Kaimai Range.

It's easiest to think of the city in a few rough parts. Along the coast, Mount Maunganui, Ōmanu and Arataki run out along the beach to Pāpāmoa and then Pāpāmoa East (the Te Tumu growth area), one of the city's main areas for new housing, and some lenders may look at a new build there a little differently from an older home.

In the west, Bethlehem, Ōtūmoetai, Brookfield and Matua look out over the harbour and have plenty of established homes, and if you're buying an older place to do up, it's worth knowing some lenders may consider a top up down the track to cover the work. Further south, The Lakes and Pyes Pā have newer streets, and Tauriko West next door is earmarked for a whole new community, so the same new build questions often come up there.

Closer in, the city centre, Gate Pā, Greerton and Merivale have a mix of older family homes and units, with Welcome Bay and Ohauiti up on the hills to the south-east. If you're building rather than buying, some lenders may pay out a construction loan in stages as the build goes along.

Investors often look at family rentals in suburbs like Greerton, Gate Pā, Merivale and Welcome Bay, as well as places near the Mount and along Pāpāmoa where holiday homes are common. Some lenders treat a holiday home or short-stay rental, or a new build in Pāpāmoa East or The Lakes, a bit differently from a standard long-term rental, so it's worth mentioning the type of property when you get in touch.