Home loans across New Zealand
First home, refinance, investment property, or construction — we compare 30+ NZ lenders to structure a home loan that suits your situation, not just the one bank you happened to bank with.
Whether you're stepping onto the property ladder, restructuring an existing mortgage, or buying your next investment, the lender, term, and structure you choose can save you tens of thousands over the life of the loan. Our job is to do the heavy lifting — comparing options across the major banks and non-bank lenders so you only see the offers worth considering.
- Access to 30+ major and non-bank lenders across NZ
- Same adviser from first call to settlement — no handoffs
- Straight-talk advice on fixed vs floating, terms, and structure
- Help with KiwiSaver, First Home Grant and the latest LVR rules
- Pre-approval in days, not weeks, when timing matters
When this loan is the right fit
First home buyers
Navigate KiwiSaver withdrawals, the First Home Grant, low-deposit options and the LVR rules with someone who's walked dozens of Kiwi families through it.
Refinancing
Roll fixed terms, consolidate debt into your mortgage, or chase a sharper rate. We'll model the break costs vs the long-term saving before you commit.
Investment property
Cashflow analysis, structuring for tax efficiency, interest-only setups, and lender appetite for investors — done in one conversation.
Construction & build
Drawdown schedules, progress payments, fixed-price builds and turnkey contracts — we know which lenders are easiest to deal with on construction lending.
From first call to settled
Free chat
Phone, video or in our Lower Hutt office. We map out your goals and what's realistic for your income, deposit and situation.
Compare lenders
We pull rates, fees and cash-contribution offers from across our panel and shortlist the structures worth applying for.
Application & pre-approval
We package your application properly the first time. Pre-approval lets you go house-hunting with a firm number in hand.
Settlement & beyond
We coordinate with your solicitor, manage the loan documentation, and stay in touch every time your fixed term is due to roll.
Free calculators for this loan type
Guides written by licensed advisers
Answers, before you ask
Anything else? Pick up the phone — no hold music, no jargon, just a straight answer.
01How much deposit do I need for a home loan in NZ?+
Owner-occupiers generally need 20% deposit under current LVR rules, but a portion of bank lending each quarter is allowed below 20% — meaning a 10% deposit is often possible if your income and credit support it. KiwiSaver, the First Home Grant, and gifted deposits all count. We'll tell you upfront which lenders will look at your situation.
02Do I have to pay you?+
No. We're paid a brokerage by the lender when your loan settles. Our advice is independent of who pays us — if a lender isn't the right fit, we don't recommend them, regardless of commission.
03How long does pre-approval take?+
If your paperwork is in order, a straightforward pre-approval can be turned around in 3–5 business days. Complex cases (self-employed, multiple properties, recent job change) take longer — but we'll set expectations on day one.
04Should I fix or float right now?+
It depends on your view of where the OCR is heading and how much certainty you want. Most clients use a split — some on a short fixed term, some on a longer one — to balance rate risk. We model your specific situation rather than apply a one-size-fits-all rule.
05Can I get a mortgage if I'm self-employed?+
Yes, though it usually takes more documentation — typically 2 years of financial statements plus recent business activity. Some lenders are far more comfortable with self-employed income than others; that's part of the value we add.
Ready to start your loan journey?
Apply online in minutes. No obligation, no pressure — just clear advice.