Your business loan made simple.

Expert mortgage and financial advice to help you secure the right home loan, optimise your KiwiSaver, secure your assets, and reach your financial goals.

We're a Wellington-based team of financial advisers helping people throughout NZ achieve their goals.

Mortgages

Find the right home loan for your situation

Access a wide network of lenders and get personalised advice to ensure your home loan works for your long-term financial goals, not against them.

KiwiSaver

Take the guesswork out of your KiwiSaver fund

Get expert advice to ensure you're in the right fund, with the right provider, to reach your property and retirement goals faster.

Insurance

Tailored insurance for your peace of mind

Get straightforward, expert advice on the insurance cover you actually need, from trusted providers, without paying for the extras you don't.

Reviews

See what our clients have to say

We are incredibly grateful to Deepak for helping us buy our first home.

He made the whole process easy and stress-free, explaining everything clearly and finding us a great mortgage rate. His expertise and support were invaluable, and we highly recommend him. Thank you again for all your hard work!

Jaydebrah

I truly appreciate their dedication and would highly recommend Home Loan Factory to anyone looking for reliable and trustworthy mortgage advice.

As a solo first-home buyer, I was naturally quite nervous about entering the property market and managing my finances on my own. From the very beginning, Divya and Paul at Home Loan Factory were incredibly supportive and professional.

Arya Krishnan

Outstanding service from start to finish.

Deepak was professional, knowledgeable, and incredibly supportive throughout the entire process. Me being self-employed it was bit hectic process to get all the required paperwork needed for the bank. But Deepak guided us through and made it look easy. We can't thank you enough and we highly recommend him to anyone who need any help with mortgage services.

Kuldeep Kaur

We are incredibly grateful to Deepak for helping us buy our first home.

He made the whole process easy and stress-free, explaining everything clearly and finding us a great mortgage rate. His expertise and support were invaluable, and we highly recommend him. Thank you again for all your hard work!

Jaydebrah

I truly appreciate their dedication and would highly recommend Home Loan Factory to anyone looking for reliable and trustworthy mortgage advice.

As a solo first-home buyer, I was naturally quite nervous about entering the property market and managing my finances on my own. From the very beginning, Divya and Paul at Home Loan Factory were incredibly supportive and professional.

Arya Krishnan

Outstanding service from start to finish.

Deepak was professional, knowledgeable, and incredibly supportive throughout the entire process. Me being self-employed it was bit hectic process to get all the required paperwork needed for the bank. But Deepak guided us through and made it look easy. We can't thank you enough and we highly recommend him to anyone who need any help with mortgage services.

Kuldeep Kaur

We are incredibly grateful to Deepak for helping us buy our first home.

He made the whole process easy and stress-free, explaining everything clearly and finding us a great mortgage rate. His expertise and support were invaluable, and we highly recommend him. Thank you again for all your hard work!

Jaydebrah

I truly appreciate their dedication and would highly recommend Home Loan Factory to anyone looking for reliable and trustworthy mortgage advice.

As a solo first-home buyer, I was naturally quite nervous about entering the property market and managing my finances on my own. From the very beginning, Divya and Paul at Home Loan Factory were incredibly supportive and professional.

Arya Krishnan

Outstanding service from start to finish.

Deepak was professional, knowledgeable, and incredibly supportive throughout the entire process. Me being self-employed it was bit hectic process to get all the required paperwork needed for the bank. But Deepak guided us through and made it look easy. We can't thank you enough and we highly recommend him to anyone who need any help with mortgage services.

Kuldeep Kaur

Highly recommend HLF, especially Feby and Andy, for anyone looking for a reliable and efficient home loan service!

I had a great experience with HLF! A special thanks to Feby and Andy for their outstanding support throughout the entire process. They were friendly, professional, and always ready to answer my questions. They made everything smooth and stress-free, guiding me through each step with clear communication and genuine care.

Roopesh John

Highly recommend to anyone looking for home loan help in NZ. Honest and Smart people.

We had a great experience with HLF. Mr. Deepak and his team helped us with first home loan application and later for refinancing. They found a solution that was customised to our needs. Everything was explained in simple and easy words, and they made the whole process stress-free. They were always quick to reply and very supportive from start to finish.

Jatinder Singh

Gagan was so very helpful with us buying our first home!

He explained everything we needed to, and answered all our questions despite when they were asked! Would 100% recommend.

Aspen Pugh

Highly recommend HLF, especially Feby and Andy, for anyone looking for a reliable and efficient home loan service!

I had a great experience with HLF! A special thanks to Feby and Andy for their outstanding support throughout the entire process. They were friendly, professional, and always ready to answer my questions. They made everything smooth and stress-free, guiding me through each step with clear communication and genuine care.

Roopesh John

Highly recommend to anyone looking for home loan help in NZ. Honest and Smart people.

We had a great experience with HLF. Mr. Deepak and his team helped us with first home loan application and later for refinancing. They found a solution that was customised to our needs. Everything was explained in simple and easy words, and they made the whole process stress-free. They were always quick to reply and very supportive from start to finish.

Jatinder Singh

Gagan was so very helpful with us buying our first home!

He explained everything we needed to, and answered all our questions despite when they were asked! Would 100% recommend.

Aspen Pugh

Highly recommend HLF, especially Feby and Andy, for anyone looking for a reliable and efficient home loan service!

I had a great experience with HLF! A special thanks to Feby and Andy for their outstanding support throughout the entire process. They were friendly, professional, and always ready to answer my questions. They made everything smooth and stress-free, guiding me through each step with clear communication and genuine care.

Roopesh John

Highly recommend to anyone looking for home loan help in NZ. Honest and Smart people.

We had a great experience with HLF. Mr. Deepak and his team helped us with first home loan application and later for refinancing. They found a solution that was customised to our needs. Everything was explained in simple and easy words, and they made the whole process stress-free. They were always quick to reply and very supportive from start to finish.

Jatinder Singh

Gagan was so very helpful with us buying our first home!

He explained everything we needed to, and answered all our questions despite when they were asked! Would 100% recommend.

Aspen Pugh
about us

We help you move forward with confidence

5k+
Kiwis helped
$500M+
Total loans settled
99%
Client satisfaction
55+
Combined years of industry expertise
Tools

Run the numbers before you make your next move

FAQS

Everything you need to know before getting started

What does a mortgage adviser do?

A mortgage adviser (referred to in the past as a broker) acts as your personal guide to the lending market, working on your behalf to secure the right home loan for your situation. Instead of working for one specific bank, we partner with multiple lenders across New Zealand. We answer your questions, handle the heavy lifting of the application process, and help you easily compare rates, structures, and options to ensure your mortgage works for your long-term goals

How much does a mortgage adviser cost?

For standard residential home loans, our service is typically 100% free for you. We are paid a commission by the bank or lender only after your loan settles. In specific situations where a fee may apply—such as for complex business lending, commercial loans, or non-bank lenders, we will explain this clearly upfront and get your written agreement before proceeding. There are never any hidden surprises.

See our Fees Free Guarantee for more info.

Why should I use HLF instead of going directly to my bank?

Going directly to your bank limits you to only their specific products and criteria. By using an adviser, you gain access to a wide network of lenders, ensuring you get a competitive deal that suits your unique needs. We save you hours of time and confusion by handling the legwork, negotiating with lenders, and translating the financial jargon. Furthermore, if you are self-employed or have a less-than-perfect credit history, we know exactly which lenders are most likely to approve your application.

Do I need to live in Wellington to use your services?

No, we help clients all across New Zealand! We even have clients in the Chatham islands!

Modern mortgage advising can be done entirely remotely. We handle everything securely over the phone, Zoom, WhatsApp, and email.

Expert advice for your home loan, KiwiSaver, and beyond.