About Keep
Great mortgage advice shouldn't be hard to find
We started Keep to give Kiwis the kind of straight-up, on-your-side advice we wished existed — backed by technology that makes the whole thing painless.
Our story
After years inside the banks, our founders saw the same thing over and over: good people getting average deals simply because they didn't know what to ask, or who to compare against.
So we built Keep — a modern advisory that combines real human expertise with smart tools. We compare 30+ lenders, negotiate hard, and handle the paperwork, so you get the right loan without the runaround.
Best of all, our advice costs most clients nothing. We're paid by the lender when your loan settles — and we'll always be upfront about it.
$480m+
in home loans settled*
30+
banks & lenders on our panel
4.9★
from 200+ client reviews*
98%
of clients pay us nothing**
What we stand for
Honest, in your interest
As a licensed financial advice provider, we're legally bound to put your interests first — and we'd do it anyway.
Plain English, always
No jargon, no pressure. We explain your options clearly so you can make a confident decision.
Fast and responsive
Mortgages are time-sensitive. We reply quickly and keep you posted at every step.
Transparent on fees
We tell you exactly how we're paid up front, including any situation where a fee could ever apply.
The team
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.
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.