A Home Loan Expert, or mortgage adviser, is a qualified independent financial adviser that uses their industry know-how to help you with getting a loan, or getting the most out of your loan.

They do not work for any banks or lenders, but may receive a commission from them.

A mortgage adviser can answer your home loan questions and help you easily compare what options across lenders.

The majority of the time we don’t charge our clients anything*.

Our fees are usually paid by the bank, and we are usually only paid once you get the loan, so we work for you.

In situations where we may need to charge a fee, such as for business and commercial lending, non-bank lenders, or early break fees, we will explain everything to you clearly and request your written agreement before going ahead.

No surprises here.

If you go directly to your bank, just one bank - how do you know you’re getting the best deal out there?

Mortgage advisers have relationships with a variety of lenders and can help you gain access to a wider range of options. Mortgage advisers can also help if you have less-than-perfect credit or are self-employed, as some lenders may be more willing to work with an adviser than with a borrower directly.

We are can also help you navigate options more easily, give guidance on structures that suit your specific financial situation and goals, and can help you understand the pros and cons of different loan terms and features.

Applying for a mortgage can be time-consuming and confusing, especially for first-time homebuyers. We can handle a lot of the legwork for you, including submitting loan applications, gathering required documentation, and negotiating with lenders on your behalf. This can save you time and allow you to focus on other aspects of the home buying process.

In some cases, we may be able to secure a lower interest rate or other favourable loan terms for you, which can save you money over the life of your loan. We may also be able to help you avoid fees or closing costs that you might otherwise have to pay.

This will depend on your goals and situation. We can commonly get clients a home loan with as little as 5% deposit using the Kainga Ora First Home Loan Scheme. Talk to us today to see if this could be possible for you.

Why can’t you just put your details in a calculator on our website and come out with an answer? Well, we’d love that too, but there are a lot of variables that the bank will want to take into consideration.

Things like your length of employment, or alternative sources of income from things like flatmates or shares or driving Uber on the weekend, can affect the answer.

Our knowledge of different banks and years of experience can come in handy to find the right lender match for you.

Let us know where you’re at with this short quiz, and we will be back with you within 2 working days.

Yes, we can!

Mortgage advisers don’t need to be in the same city as the person taking out the mortgage.

We can do everything over the phone, Zoom, Whatsapp and email.

Some of our brokers occasionally travel out of town, so don’t be afraid to ask!

We work with over 20 different lenders to find you the best deal options out there to match your situation.

See our list of lenders we work with below.

• ANZ

• ASB

• BNZ

• Kiwibank

• SBS

• TSB

• Westpac

• Avanti

• First Mortgage Trust

• Co-operative Bank

• Unity

• Resimac

• ASAP Finance

• Basecorp

• CFML loans

• Cressida Capital

• DBR

• Heartland Bank

• Liberty Finance

• Pepper Money

• Prospa

• Resimac

• Southern Cross

• Unity

• Select.

See our home loan calculator

For help using this, call one of our team or check out this guide.

We can help with home loans, commercial loans, business loans, top ups, personal loans, asset finance, and vehicle loans.

Basically if it has the word ‘loan’ in it, we can help!

We have years of experience working with lawyers, real estate agents, property valuers, builders, insurers, and many other qualified professionals.

We can help you get a great overview of the whole process (and put you in touch with other experts if you would like to use our contacts). There are no silly questions! We are really happy to help guide you though the process no matter where you’re at on your journey.