Expert Mortgage Advice, for all Kiwis.
Whether you’re buying your first home, refinancing an existing mortgage, or building an investment portfolio, we help New Zealanders navigate the loan process without the jargon. Our brokers work with every major bank and several specialist lenders, which means we can compare rates, negotiate on your behalf, and structure a loan that fits your financial position, and future financial goals.
Based in central Auckland, we work with Kiwis all across New Zealand. We look after first home buyers using KiwiSaver, existing homeowners refixing or restructuring, property investors expanding their portfolio, self-employed applicants who need lenders who understand their income, and commercial clients who require specialist lending.
In most cases our service is of no cost to you, as the bank pays us a commission.
Need someone who really gets the whole financial thing and sticks with you every step of the way? Say hello to Kiwi Mortgages!
Our mortgage process
We know it's hard. That's why we make it as simple as possible.
Initial Conversation
The initial conversation is where we get to know you. Who you are, what your goals are and how we can help. By the end of this meeting you should have a clear idea of what our plan is and how we are able to assist you..
Online Fact-Find
This is where we flesh out the details from our first conversation, you will complete a Fact Find and Statement of Position and provide all the supporting documentation necessary, we will compile this into a clear loan application.
Approach Lenders
We then submit this application to the bank on your behalf and work through any issues until we have an approval. If there are any conditions on this approval, we will work with you to have them satisfied so that you can purchase unconditionally.
Structure and Rates
This is where we negotiate interest rates on your behalf, then assist you in deciding how you will structure your lending. The correct loan structure can save you thousands of dollars over the life of the loan, so we take this meeting very seriously.
Calculators
Find out how much your repayments will be with our mortgage calculators
Frequently Asked Questions
First home buyer — how much deposit do I need?
In most cases you’ll need at least a 5% deposit for a First Home Loan (KiwiSaver-eligible, subject to income and price caps), or 10–20% for standard bank lending. KiwiSaver first home withdrawals count toward your deposit, and there are options for buyers with lower deposits through certain lenders. Every lender has different rules — that’s where we come in.
What’s the difference between a refix and a refinance?
A refix is when your fixed rate is expiring and you lock in a new rate with your existing bank — no application, no paperwork, just a rate discussion. A refinance is when you move your entire mortgage to a different bank, usually for a better rate, a cash contribution, or a better structure. We handle both, and we’ll tell you which one makes sense for your situation.
Should I go with a fixed or floating rate?
Most Kiwis fix at least part of their mortgage because fixed rates are usually lower and give you payment certainty. Floating rates are higher but more flexible — useful if you’re planning to sell, receive a lump sum, or want to make extra repayments. Many borrowers split their loan across both. We’ll walk you through the trade-offs based on your goals.
How long does the whole process take?
For a straightforward pre-approval, 5–10 business days once we have your documents. For a full purchase through to settlement, typically 4–8 weeks depending on the property, the bank’s current turnaround times, and how quickly documents come back. Refixes are usually same-day or next-day. We’ll give you a clear timeline at the initial conversation.
In most cases, free! If you qualify for a residential home loan with one of the main banks, our Financial Advisers will receive commission from the bank you borrow from. Those commissions vary from lender to lender, so we are fully transparent on what the bank will be paying us, when we confirm your loan structure. But rest assured, the Bank does not pass that cost on to you, in any way.
We do all the legwork for you. We take your information and turn it into a concise application for the banks to review. We can approach multiple banks to ensure the best outcome for your application. Once approved we can negotiate the best available rates and Cash Contribution in the market, and advise you on your loan structure. To put it simply, when you engage a Financial Adviser, you have someone in your corner every step of the way.
You have a chance to review your loan structure every time one of your fixed rates is expiring. This should be every year or two depending on how long you have fixed the loan. But if you have any changes coming up in your life, it's always a good time to contact your Financial Adviser and talk through your options.
This is the age-old question that everybody wants to know. There are a number of factors that go into a bank's assessment of your borrowing power. Firstly, what can you afford to pay; our Loan Payment Calculator can help with that. Then there is the amount of deposit you have available, and your credit history. The quickest way to get an indication of borrowing power is to pick up the phone and have a chat to one of our Financial Advisers.
When you take on the responsibility of a Home Loan it's important that you protect yourself from unforeseen circumstances that may affect your ability to cover the mortgage payments — illness, injury, or other events. It's really important to review all of these risks at the time of applying for the loan. Our Insurance Advisers can walk you through this process to ensure you have the right cover in place for your current situation.
What we help with
Whatever stage you’re at, there’s a Kiwi Mortgages specialist for it.
First Home Buyers
KiwiSaver first home withdrawal, low deposit lending, and pre-approval — we take you from “can I even buy?” to keys in the door.
Learn more →Refix Your Mortgage
Your fixed rate expiring? We negotiate the best rates across every major NZ lender and handle the paperwork.
Learn more →Restructure & Refinance
Move banks for a better rate, or restructure with your existing lender for a smarter split. We’ll tell you which makes sense.
Learn more →Property Investment
Investment property lending, DTI-aware advice, portfolio structuring across every major bank and specialist lender.
Learn more →Top-Up Your Loan
Top up for renovations, debt consolidation, or big purchases — negotiated with your existing bank or refinanced elsewhere.
Learn more →Self-Employed Lending
Self-employed and looking for a mortgage. We know which lenders take a sensible view and how to present your accounts.
Learn more →Our providers
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