Jac Lockington home finance broker

Jac Lockington

  • Mobile: cell 027 249 7917
  • Phone: work 03 575 7077
  • Business Name: Jac Lockington

Jac Lockington

Mortgage Broker Blenheim, Marlborough & Beyond

Contact me at jac.lockington@loanmarket.co.nz

Home Loans in Blenheim, Marlborough and further areas

I have access to home loans from a wide panel of major banks and secure lenders, and I truly understand that getting the right home finance is in your best interest.  Getting your finance approved early means that you are in the best possible position to negotiate for your home, on your own terms. And while the home loan application process can seem daunting, I can simplify and guide you through the process so nothing is missed.

Just saying a big thank you for all your hard work you have done for me to make my property purchase such an easy and enjoyable transaction. J McLachlan, Blenheim. 2013-03-01

Home Loan Deposits

Most banks and lenders will require a minimum deposit of around 20% of the value of the property you are purchasing, before they will approve you for a home loan. Depending on the lender and your individual situation, you may be able to fund your deposit from a range of sources, including genuine savings, monetary gifts, inheritances, KiwiSaver contributions and the First Home Buyers Government Subsidy. However, most lenders will require at least a portion of your deposit to come from genuine savings.

In some situations, I can access a Welcome Home Loan, which means that you require a minimum of only 10% to get you into a home. There are restrictions on the maximum purchase price and some other conditions, so it’s best for us to discuss whether this could work for you.

We can't thank you enough for all the hard work, energy and enthusiasm you put into finding us our mortgage.  Words can't say how much we appreciate it.  You were determined not to give up and we have really benefited from your tenacity and committment.  More than this, you have just been a total pleasure to deal with from start to finish and are obviously just an all round 'good sort'!!  We would not hesitate to recommend your services to anyone.  S Wood & R Allen, Nelson. 2012-12-21

First Home Buyers in Blenheim, Marlborough and Beyond

Buying your first home is an exciting experience, but there is a lot to think about. I make the home loan application process as smooth and easy as possible, so you can concentrate on finding the right home. As part of my service, I will help you to understand the types of home loans available to you and will assist you in choosing the right one for your situation. If you are eligible for the First Home Buyers Government Subsidy and / or KiwiSaver withdrawal, I will help you fill in the paperwork.

Home Loan Pre-approval

Home loan pre-approval is a great way to ensure you know how much you can afford to pay for a property before you even start looking. A written pre-approval can also give you an advantage when negotiating on a property with a vendor, as opposed to someone who has no pre-approval or finance in place. Home loan pre-approval is generally valid for about six months, and you may still need a satisfactory valuation on the property you intend to purchase before your pre-approval can progress to a full loan approval.

Property Investment Loans in the South Island

Property investment can be a smart wealth creation strategy, if you get it right. And that doesn’t just mean finding the right property – you need the right investment finance as well. Your investment loan package should be tailored to your investment strategy and goals. I work closely with you and your accountant to make that happen. Whether you are an experienced property investor with a big portfolio, or just starting out with your first property, I can help you get the right investment loan for your circumstances.

Refinancing Loans

Refinancing your mortgage is something that takes careful consideration. The most important thing to look at is if refinancing will place you in a better financial position than you would be if you stuck with your current loan. I can go through the sums with you to show you the costs involved in changing home loans, as well as your projected costs over a set timeframe for both your current and proposed home loans. And if you decide that refinancing is the right move for you, I will help you complete all the necessary paperwork to make the change.

Debt Consolidation in Blenheim, Marlborough and Beyond

Debt consolidation can be a handy solution when you are struggling with repayments on several debts, such as your home loan, hire purchases, credit cards and personal loans. Debt consolidation works by combining all those debts into your home loan, which is generally the debt with the lowest interest rate. Because the interest rate is lower, and the loan term is usually longer, your monthly repayments will drop, giving you a bit of breathing space. If you don’t already have a home loan, I can still assist to consolidate your debts into a more manageable loan.  I can then work with you toward your future home ownership by providing a debt reduction and savings plan.

Business Loans Commercial Loans

Good business finance is invaluable when purchasing and growing your business. Business and commercial loan options vary depending on whether you are a start-up or existing business. Whether you are buying commercial property, undertaking property development, expanding your business or need some cash-flow funding, assistance from an expert commercial finance broker is invaluable.

Low Doc Loans for Self-Employed Borrowers  

Many self-employed borrowers need a loan that isn’t quite standard, mostly because they don’t have the full financial history required to get a regular loan. Low documentation, or low doc, loans fulfil the needs of many self-employed borrowers. You’ll still need some financial history and paperwork.

Upgraders / New Property Buyers – Bridging Loans

Financing the move from one property to another can be quite stressful, especially if you are yet to sell your home – a bridging loan can help free up the funds that are tied up in your current property to purchase the next one. With a bridging loan, your lender will use both your current and new property as security and lend you enough to buy your new home.

While you are waiting for the sale and purchase process to be completed on both your current and new property, you make interest only repayments on the loan, or maybe even no repayments at all (referred to as capitalising the interest). Once you have sold your old home, the proceeds go towards paying off your bridging loan. The amount left over (known as the end debt) is then transferred to a standard home loan, becoming the home loan on your new property.


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  • Broker region: Blenheim
  • Suburbs: Blenheim, Marlborough & Beyond
  • Jac Lockington provides mortgage broking services in suburbs including but not limited to: Nelson, richmond, picton, renwick, motueka, kaikoura, hanmer springs, westport