Sarah Thompson
Director & Financial Adviser
Sarah founded Keep after a decade in bank lending, frustrated that great advice was hard to find. She specialises in refinancing and helping investors structure lending the smart way.
New Zealand mortgage advice
On your home loan, for the life of it.
Work out what to do next. Then talk to a person who stays after settlement — not only on the day the loan is drawn.
I already have a loan
My fixed rate is ending
Stay, negotiate, or switch. The rate, the cashback, the break fee and the clawback go in one comparison.
Start with a refixI'm still renting
I'm buying my first home
See what you could borrow, how KiwiSaver fits a deposit, and whether 5% is even an option.
Start with a first homeI'm new to this
Help me find what I need
New to a mortgage, or not sure how buying a house works? Answer two questions and see a simple starting loan.
Start with the finderWhat would the repayment be?
Move the sliders. This is a guide, not a bank offer. A person checks it against a real lender.
$650,000
5.35%
30 years
Repayment frequency
Your fortnightly repayment
$1,674.43
Total interest
$656,056
Total to repay
$1,306,056
Indicative only. Assumes a constant rate over the full term and table (principal & interest) repayments. Not a quote or an offer of finance.
Most clients pay Keep nothing. The lender pays a commission when a loan settles. If a fee would apply, we say so in writing first. Keep Limited is a demo advice firm — FSP1000000 is a placeholder, not a real licence. How we are paid.
All calculatorsHow a loan with Keep works
- 1
Free chat
Book a no-obligation call or video chat. We get to know your goals and your numbers — we usually reply within an hour during business hours.
- 2
Your strategy
We compare 30+ lenders and build a clear plan: how much you can borrow, the best structure, and the real costs. We explain how we're paid up front.
- 3
We apply for you
We package and submit your application, handle the back-and-forth with the lender, and keep you updated at every step.
- 4
Settle & beyond
Loan approved and settled. We don't disappear — we review your loan every year and negotiate when your rate rolls over.
You talk to a person
These advisers are illustrative for the demo. The job is the same either way: someone with a name, not a call centre.
Wiremu Ngata
Senior Financial Adviser
Wiremu loves getting first-home buyers across the line — especially with low-deposit and First Home Loan options. He's helped hundreds of whānau into their first home.
Mei Lin
Financial Adviser
A former accountant, Mei is the person to see when your income doesn't fit a tidy box. She knows exactly how to present self-employed and contractor income to lenders.
Ready for a person to look at your loan?
A free chat. We say where you stand. No pressure to apply.
Most clients pay Keep nothing. The lender pays a commission when a loan settles. If a fee would apply, we say so in writing first. Keep Limited is a demo advice firm — FSP1000000 is a placeholder, not a real licence. How we are paid.
Illustrative demo figures: $480m+ · 30+ · 4.9★ · 98%. Not audited results.