Whether you’re wanting to trade up or trade down, Craig Pope Financial will help you make it happen.
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First Home
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Kiwisaver Mortgages & Insurance
Craig Pope Financial is a KiwiSaver mortgage company servicing Kapiti Coast & Wellington
We’d love to chat with you to figure out how we can help, so please use the Contact option on this website to book a personalised consultation.

When the time comes to move on from your first home into your next home, having a house to sell makes the entire process more complex, adding in a whole extra layer of decisions to be made.
Should you top up your existing home loan as much as possible before purchasing a new home? Do you buy before you sell, or sell before you buy? Do you rent out your existing property?
Do you need a bridging loan to see you through? Can you transfer your existing mortgage? It’s a potentially stressful process, even more so when you factor in the fact that daily life doesn’t slow down just because you have an extra workload to deal with. Bills still need to be paid, jobs still need to be done, kids still need to be loved, fed and looked after, and homes still need to be cleaned and maintained.
This is where we come in. Whether you’re wanting to trade up or trade down, Craig Pope Financial will help you make it happen. Our many years of knowledge and experience can save a lot of confusion and stress as we simplify the entire process and make the journey a little easier for you.
If you want to buy before you sell, you’ll likely need to apply for bridging finance to cover the period where you’ll own both homes. Depending on your situation, there are different types of bridging finance, each with their own risks associated, and different likelihoods of being approved by banks.
If your buy and sell settlement days are the same, a mortgage transfer can be a good option, while if you prefer to sell before you buy, we can work to get you pre-approved subject to an unconditional sale of your existing house.
If you’re thinking about renting out your current home, there is a whole different set of factors to consider in deciding whether it’s the best option for you.
No matter what you decide to do about your existing home, our experienced Kapiti-based Mortgage advisors are here to help you through the process. We’ll make sure you end up with a bank and a mortgage that give you flexibility, allowing you to pay your home loan down quickly to put yourself in a better financial position.
Craig Pope Financial is a trusted bridging loan company in Kapiti, we have many years of experience with clients in different circumstances, and we’re experts at finding the best solution for everyone. We’ll look at all the factors with you and talk you through which option suits your situation best, then take you through the process step by step.
We will help you pull all the paperwork together and advocate for you with the banks, so you’ll get the best outcome.
