Rating based on 47 reviews

Ray White


  • Home loans up to $2,000,000
  • Competitive rates
  • Repayment up to 30 years

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Ray White homepage

Author Ray White. Screenshot of Ray White website. [Accessed September 3, 2021]

About Ray White

Founded in 1902, Ray White provides a broad range of real estate and home loans services from over 1000 individual offices across New Zealand, Australia and Indonesia.

Every year, our team assists over 200 000 homeowners in successfully buy and sell a property. Real estate sales exceeding $2 billion per month while our rental property portfolio is over 200,000, proves our capability when it comes to property investment. Commercial sales are approaching $1 billion per annum. So you see, as a family-owned business, we’ve got a lot to be proud of.

What makes us successful

  • Annual property sales turnover is in excess of $27 billion in sales.
  • Ray White operates in Australia, New Zealand, India, Indonesia, India, Malaysia, Papua New Guinea, China, Middle East and Atlanta, USA.
  • Employs over 13,000 staff.
  • Manages more or less 230,000 rental properties
  • Helped 29,000 tenants in the past year
  • Ray White employs over 1,900 property management professionals.

Ray White Services

Our clients will find a variety of services on offer that revolves around the real estate industry and most importantly – home loans.

Securing over $150 million in home finance each month in New Zealand, our mortgage advisers understand the real estate market. We are proud to say that we have access to the largest panel of lenders in New Zealand.

Low deposit home loans

Lenders have recognised the difficulty that many aspiring homeowners experience when searching for now-extinct no-deposit home loans and therefore there is no the option of deposit home loans that allow borrowers up to 95% of the loan amount.

The key to finding the right home loan for you, based on your current deposit situation, really comes down to knowing, which bank or secure lender provides a home loan solution that can cater to your particular situation.

Ray White Home loan

  • Loan Type Home loans
  • Loan Amount up to $2,000,000
  • Repayment 6 months to 30 years

Benefits of Ray White

  • Quick property appraisal
  • Affordable home loans
  • Apply online

Get a low deposit home loan from Ray White today

If you are looking for an affordable home loan that requires little to no mortgage then Ray White is the perfect financial services provider for you. They will help you find a loan that comes with a low deposit and low interest rates – making them affordable and easy to obtain.

How to apply

Would you like to apply for a loan? Then you need to contact Raw White. They will be more than happy to assist you in reaching your financial goals. Get your affordable home loan with Ray White today. 

What do I need to apply for a low/no deposit loan?

The banks' assessment criteria on low deposit loans will be stringent as they will be looking closely at your capacity to repay the loan, given the high loan to property value ratio.

  • You will need to demonstrate a strong stable income
  • Show at least some genuine savings

Customer Reviews & Testimonials

Fair rates. Accommodating staff. Great deals.

Raymond N
— Gisborne —

After our kids moved out and pursued their own lives, my wife and I decided to purchase a smaller home, as our family home was simply too big. We sought the services of Ray White, and received ou...

Eric X
— Ashburton —

Ray White Contact

Contact Number



Physical Address

  • Level 2,12 Viaduct Harbour Ave Auckland Auckland Region 1010 New Zealand
  • Get Directions

Opening Hours

  • Monday 08:30 – 17:30
  • Tuesday 08:30 – 17:30
  • Wednesday 08:30 – 17:30
  • Thursday 08:30 – 17:30
  • Friday 08:30 – 17:30
  • Saturday – Closed
  • Sunday – Closed