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 March 7, 2023]

About Ray White

Since Ray White was founded in the year 1902, they have been providing a wide range of real estate and home loan services from over 1000 individual offices across New Zealand, Australia, and Indonesia.

Every year, their team of employees helps out 200 000 homeowners to successfully buy and sell their properties. Real estate sales have been exceeding $2 billion per month while Ray White’s rental property portfolio is over 200 000. It proves their ability to succeed when it comes to property investment as well as their determination when it comes to solving their client’s financial problems.

Currently, Ray White's commercial sales are approaching $1 billion per annum. Therefore as a family-owned business, they have got a lot to be proud of for both growing within the business and helping their community with their financial difficulty.

What makes Ray White different

  • They have an annual property sales turnover that exceeds $27 billion in sales.
  • Ray White operates in different countries such as; Australia, New Zealand, India, Indonesia, Malaysia, Papua New Guinea, China, the Middle East, Atlanta, and the USA.
  • They employ 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

Their clients will find a variety of services that Ray White can offer them, which involves the real estate industry but most importantly NZ home loans.

By securing over $150 million in home finance each month in New Zealand, Ray White’s mortgage attorneys understand the real estate market as well as the complications involved when securing a home loan. When you choose Ray White, you get to choose 100 years of experience as well as a name you can trust.

They can proudly say that they have access to a substantial amount of lenders in New Zealand, thus allowing them to go the extra mile with their clients.

Affordable home loan rates

Lenders have been acknowledging the difficulty that many homeowners experience when searching for no-deposit home loans, therefore they have no option available for home loans that require a deposit. It has been made so easy to calculate your loan amount since they have made an online loan calculator available at your disposal. Now you get to see what your monthly installments might be.

The key to discovering a good home loan for yourself is based on your existing deposit situation. It really comes down to knowing which bank or secure lender can provide you with the right home loan that fits your needs.

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 a reasonable home loan that compels unique mortgage rates, then Ray White is the perfect financial services provider for you.

They will help you find a loan that comes with a low deposit as well as low-interest rates, thus making their loans more accessible and easy to attain.

Benefits of Ray White

  • Quick property assessments
  • Affordable and competitive mortgage rates
  • Can apply for a loan online for home loans
  • Supply home loans for up to $2,000,000 with repayment terms of up to 30 years

Want to apply for a home loan?  Ray White has got you covered, they are simply a phone call away. They will be delighted to assist you in reaching your financial goals as well as satisfying your financial needs. You can get an affordable home loan at Ray White today.

Requirements for a low-deposit home loan

The banks' inspection criteria on low deposit loans will be tough as they will be looking closely at your ability to repay the loan amount that's due, which is given by the high loan vs the property value ratio.

  • You will need to illustrate an influential and permanent monthly income
  • You will also need to show that you have at least some profound 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

  • 12 Viaduct Harbour Avenue, Auckland CBD Auckland Auckland Region 1010 New Zealand
  • Get Directions

Opening Hours

  • Monday 08:00 – 17:00
  • Tuesday 08:00 – 17:00
  • Wednesday 08:00 – 17:00
  • Thursday 08:00 – 17:00
  • Friday 08:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed