Funding Your Investments the Smart Way

Whether you are buying your first investment or adding to your portfolio, Select has the home loan to suit you, with great features and flexible options.

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Our Investment Loan Features

Select helps investors like you grow your portfolio. We can also provide opportunities for you to access your equity to make improvements to your property. Check out our loan features below:

Competitive rates starting at 2.99% p.a*

Cash-out up to $500k**

Use existing equity for future purchases

Unlimited investment properties at 80% LVR

Consolidate multiple debts

Standalone investment properties up to 80% LVR (up to 85% LVR owner-occupied)

3 or 5 year interest-only terms available

Flexible income verification options

No credit scoring

*Subject to credit assessment and lending criteria. Terms and conditions apply.

**For Prime & Near Prime Full Doc <75% LVR loans.

Our Advisers

At Select, we work closely with our adviser partners from New Zealand Financial Services Group (NZFSG)/Loan Market, who have exclusive access to our home loan products.

Once you submit your enquiry, you can expect a call back from an adviser in your area who will work with you to find the best solution for your needs.

Why Use a Mortgage Adviser?

A mortgage adviser can help you find the right home loan to suit your circumstances and financial goals. They won’t charge you for their services, and they’ll do a lot of the legwork by comparing different options and talking to lenders on your behalf. The benefits of using a mortgage adviser include: 

Access to a wider range of home loans

Personalised advice and support

Help preparing your application

Our Home Loan Solutions

Our home loans cater for a range of Kiwi customers, from those with a squeaky clean credit history to those who may have been through some financial difficulties. All our loan solutions have options for PAYE and self-employed customers, and provide the choice of a variable or fixed rate.

Prime Borrower web

PRIME

A competitive loan for borrowers with clear credit and strong employment history.

Competitive interest rates from 2.99% p.a*

Near Prime Borrower

Near PRIME

A simple home loan for borrowers who don't quite fit the qualifying criteria for our prime product.

Competitive interest rates from 3.94% p.a*

Specialist Borrower web

Specialist

A flexible home loan for borrowers who have had financial difficulties in the past.

Interest rates from 5.35% p.a*

Specialist Plus Borrower web

Specialist+

A straightforward home loan for borrowers who are recovering from financial difficulties.

Interest rates from 5.94% p.a*

About Select

Select was launched in June 2019 as a white label product as a part of an exclusive 5 year partnership between New Zealand Financial Services Group (NZFSG)/Loan Market and non-bank lender Bluestone. Select home loans are available exclusively to NZFSG and Loan Market advisers.

Select home loans have been carefully designed to provide more flexibility than those of mainstream lenders with products spanning prime, near prime and specialist. We don’t try to fit our customers into predefined boxes, instead we assess each application on its individual merits to find a solution that best fits their needs.

*Interest rates range from 2.99% to 8.04% p.a. Rates are correct as at 1 April 2021 and subject to change at any time.

Your Select Home Loan is administered by Bluestone Servicing Limited (FSP181924), Level 21, 151 Queen Street, Auckland, 1010 New Zealand on behalf of the lender, NZGT Custodians (Bluestone) Limited (FSP40011). Terms and conditions, fees and charges, and Select lending criteria apply. Any interest rate quoted throughout this website is expressed as a nominal Annual Percentage Rate. The information on this website (including interest rates, fees and charges) is given in good faith, believed to be accurate at the time of publication and subject to change without notice.