Why we started Taranaki Home Loans

Taranaki Home Loans started in the same way that so many businesses start..with an idea that Rupert could not shake.  

He was working for a bank and going to the weekly meeting as part of the team that set the interest rates for the bank. But he kept thinking…someone needs to be using the information that we look at to set the banks rates to save people money on their mortgages.   

Having a mortgage advisor to set everything up in the beginning, find a good rate and help with the paperwork is incredibly helpful, but someone also needs to keep an eye on your mortgage to ensure it is constantly meeting your needs and objectives as well as hunting for opportunities to save money over the life of your loan (we call this active management).  

Because, at the end of the day a mortgage is one of the biggest financial commitments most people will ever make. It affects what people can afford, how secure they feel, and what choices are open to them later on. But too often, it felt like the loan itself was being treated as a transaction instead of something that needed real care and attention over time. 

The more Rupert saw, the harder that was to ignore. And at some point, it clicked. If someone was going to do it, it may as well be him….That is how Taranaki Home Loans started. 

It was built around a simple belief: people deserve more than a one-off loan process. They deserve advice that is clear, support that is steady, and a mortgage that is looked after properly. 

For some people, it means reviewing an existing mortgage so you can decide if your bank is still the right fit or if a refinancing or restructure is a good call.  For others it may mean buying an investment property, building a house, moving home, or helping to buy a first home and making sense of the process from the beginning. The details are different, but the need is often the same. People want someone in their corner who will take the time to explain things clearly and help them make good decisions. 

Taranaki is home, we love it here so being local matters as well. There is something really special about helping people in your own community. And knowing we can make a huge difference in the amount people end up paying on their mortgage is a big motivator to us.