Mortgage Advisers
Find the best home loan deals and navigate the mortgage process with confidence. Expert mortgage advisers with access to multiple lenders across New Zealand.
Find Mortgage AdviserWhat is a Mortgage Adviser?
A mortgage adviser (also known as a mortgage broker) is a licensed professional who helps you find and secure the best home loan for your situation. They work with multiple lenders to compare rates, terms, and features to find the most suitable mortgage for your needs.
Multiple Lenders
Access to 20+ banks and lenders to find the best rates and terms for your situation.
No Cost to You
Mortgage advisers are typically paid by lenders, so their service is free for borrowers.
Expert Guidance
Professional advice throughout the entire mortgage process from application to settlement.
Mortgage Advisory Services
First Home Buyer Loans
Specialized guidance for first-time buyers including low deposit options, government grants, and KiwiSaver withdrawals.
Refinancing
Review your existing mortgage and find better rates or terms to save money or access equity for other purposes.
Investment Property Loans
Financing solutions for investment properties including interest-only options and portfolio lending strategies.
Construction Loans
Specialized financing for building new homes including progress payments and conversion to standard mortgages.
Commercial Mortgages
Business property financing including owner-occupied premises and commercial investment properties.
Mortgage Protection
Insurance solutions to protect your mortgage including life insurance, income protection, and mortgage repayment insurance.
Types of Home Loans
Fixed Rate Mortgages
Interest rate remains the same for a set period, providing certainty and predictable payments.
- Predictable payments
- Budget certainty
- Protection from rate rises
Floating Rate Mortgages
Interest rate can change at any time, offering flexibility but with payment uncertainty.
- Flexibility to make extra payments
- No break fees
- Benefit from rate decreases
Interest-Only Loans
Pay only the interest for a set period, with lower initial payments but no principal reduction.
- Lower initial payments
- Tax benefits for investors
- Improved cash flow
Low Deposit Loans
Mortgages with deposits as low as 5-10%, often requiring mortgage insurance.
- Enter market sooner
- First home buyer friendly
- Government support available
First Home Buyer Support
KiwiSaver Withdrawal
Use your KiwiSaver savings for your first home deposit after 3 years of contributions.
HomeStart Grant
Government grant of up to $10,000 for existing homes or $20,000 for new builds.
First Home Loan
Kāinga Ora shared equity loans to help with deposits and reduce borrowing requirements.
Ready to Find Your Perfect Home Loan?
Connect with experienced mortgage advisers who can help you navigate the home loan process and find the best deal for your situation.