What we do
Mortgage advice for every chapter
We arrange home loans with 30+ banks and lenders across Aotearoa. Whatever your situation, there's a path — and we'll find it with you.
Homeowners
Refinancing & loan reviews
Your fixed rate is rolling over or you suspect you're paying too much. We review your whole loan, negotiate with your current bank, and compare switching to another lender.
- Free annual loan review & rate negotiation
- Compare cashback offers across 30+ lenders
- Restructure to pay your loan off faster
- Honest advice on clawback before you switch
Investors
Property investors
Build and structure a property portfolio with lending designed around your goals — equity releases, top-ups and the right ownership structure.
- Equity release & top-up lending
- Interest-only options (subject to lender policy)
- Portfolio structuring across multiple lenders
- Refinance to release equity for the next purchase
First-home buyers
First-home buyers
Get into your first home sooner. We help you use low-deposit options like the Kāinga Ora First Home Loan and your KiwiSaver first-home withdrawal.
- First Home Loan — buy with as little as 5% deposit
- Using your KiwiSaver first-home withdrawal
- Low-deposit (high-LVR) lending explained
- Pre-approval so you can buy with confidence
Builders & buyers
New builds & construction
Turn-key or progressive draw-down — building has different rules to buying. We structure construction lending so funds are there at each stage.
- Turn-key and progressive (draw-down) loans
- Often available at higher LVRs than existing homes
- Coordinating draw-downs with your builder
- House-and-land and off-the-plan purchases
Business owners
Self-employed & complex income
Bank said no? Self-employed, contractor or newer business income doesn't fit a tidy box. We know which banks and non-bank lenders say yes.
- Lending based on 1 year of accounts (some lenders)
- Contractor & seasonal income solutions
- Specialist non-bank lenders when banks decline
- Help presenting your financials the right way
Homeowners
Debt consolidation
Roll higher-interest debt into your home loan to simplify repayments and reduce stress — with clear advice on the long-term cost.
- Combine credit cards, personal & car loans
- Lower your total monthly repayments
- Clear view of total interest over time
- A plan to stay debt-free afterwards
Common questions
How much does a mortgage adviser cost me?
In most cases, nothing. When your loan settles, the lender pays us a commission. Occasionally a lender doesn't pay commission (or asks for it back if you repay early) — if a fee could ever apply to you, we'll always tell you in writing before you commit.
What is a clawback and why does it matter?
If you repay or refinance your loan within roughly the first 27 months, the lender can 'claw back' the commission they paid us. Some advisers pass this cost on. We'll always disclose if and when a clawback fee could apply before you proceed.
Are you better than going straight to my bank?
Your bank can only offer you its own products. We compare 30+ banks and lenders, negotiate on your behalf, and handle the paperwork — usually at no cost to you. You stay in control of the final decision.
Can I really buy with a 5% deposit?
Possibly. The Kāinga Ora First Home Loan lets eligible first-home buyers purchase with as little as a 5% deposit. Eligibility and lender criteria apply — we'll check whether it's an option for you.
Can I use my KiwiSaver?
If you've contributed to KiwiSaver for at least three years and are buying your first home to live in, you may be able to withdraw most of your balance (leaving at least $1,000) towards your deposit. We'll help you coordinate the timing.
Is my information safe?
Yes. We only collect what we need to give you advice, we keep it secure, and we follow the Privacy Act 2020. This demo site stores any details you enter locally for demonstration only.