Mortgages made simple for Kiwi home buyers

Buying your first home, refinancing, or investing in New Zealand? We make the mortgage process clear, fast, and stress-free - so you can focus on getting the keys!

Get in touch

Why choose us

Over 20 years helping kiwi home buyers

Finding The Right Loan, Structured for You

We work for you, not the banks

100% independent mortgage advice.

We work for you, not the banks

100% independent mortgage advice.

More lender options

We compare banks and non-bank lenders to find the best fit for you.

More lender options

We compare banks and non-bank lenders to find the best fit for you.

Smarter loan structures

Designed around your goals, not just your approval.

Smarter loan structures

Designed around your goals, not just your approval.

Supporting Your Journey from Start to Finish

We negotiate on your behalf

Better rates & cashback, fairer terms, faster answers.

We negotiate on your behalf

Better rates & cashback, fairer terms, faster answers.

End-to-end service

From pre-approval to settlement and beyond, we handle it all.

End-to-end service

From pre-approval to settlement and beyond, we handle it all.

Free to you

Paid for by the lender, not you.

Free to you

Paid for by the lender, not you.

We work with New Zealand’s best lenders

The Application Process

Making the borrowing process simple and supporting you every step of the way

Get in touch

Book your free consultation

We’ll send you a short onboarding pack to complete. After assessing your situation we will then setup a call to discuss your options and develop a plan.

Get in Touch

Book your free consultation

We’ll send you a short onboarding pack to complete. After assessing your situation we will then setup a call to discuss your options and develop a plan.

Get in Touch

Get matched with lenders

We will filter and prioritise the banks to approach based on the type of property, your income, deposit, and goals. We give you a detailed breakdown and then align on a pathway.

Get in Touch

Get matched with lenders

We will filter and prioritise the banks to approach based on the type of property, your income, deposit, and goals. We give you a detailed breakdown and then align on a pathway.

Get in Touch

Settle with confidence

We’ll be right beside you until the keys are in your hand. From final paperwork to lender liaison, we ensure your settlement is smooth, stress-free, and on time.

Get in Touch

Settle with confidence

We’ll be right beside you until the keys are in your hand. From final paperwork to lender liaison, we ensure your settlement is smooth, stress-free, and on time.

Get in Touch

"You helped us figure out a price range we could afford to go for and we ultimately found a home which we fell in love with and secured! You made the process stress free and your ability to discuss our situation with the bank quickly was extremely helpful."

Liam and Courtney, Auckland

Why Choose Us

Why Kiwi Home Buyers Choose Us

Independent, impartial advice

We work for our customers, not the banks

Independent, impartial advice

We work for our customers, not the banks

Independent, impartial advice

We work for our customers, not the banks

Personal service

Real brokers, direct contact, no call centres

Personal service

Real brokers, direct contact, no call centres

Personal service

Real brokers, direct contact, no call centres

Fast approvals

We know how to get your application right the first time

Fast approvals

We know how to get your application right the first time

Fast approvals

We know how to get your application right the first time

Access to all major lenders

More choice means better options and outcomes for you

Access to all major lenders

More choice means better options and outcomes for you

Access to all major lenders

More choice means better options and outcomes for you

Clear communication

No jargon, no confusion, just answers you can use

Clear communication

No jargon, no confusion, just answers you can use

Clear communication

No jargon, no confusion, just answers you can use

Specialists in complex scenarios

Decades of experience helping expats and investors purchase in NZ

Specialists in complex scenarios

Decades of experience helping expats and investors purchase in NZ

Specialists in complex scenarios

Decades of experience helping expats and investors purchase in NZ

Book a free lending scenario review with our team

Senior Mortgage Advisor

Tama Sefuiva

Senior Mortgage Advisor

Tama Sefuiva

Senior Mortgage Advisor

Tama Sefuiva

Market Updates

The latest news impacting property buyers and borrowers

Borrower Stress in 2025: Arrears, Mortgage “Resets”, and What Banks Are Watching in 2026

2025 NZ Property Market Review: Prices, Sales Volumes, Listings and Regional Trends

2026 Mortgage Rate Outlook: Scenarios, No Certainties!

Borrower Stress in 2025: Arrears, Mortgage “Resets”, and What Banks Are Watching in 2026

If you’re a mortgage holder, 2025 probably felt like a year of two halves.

2025 NZ Property Market Review: Prices, Sales Volumes, Listings and Regional Trends

If you bought, sold, or even just watched the market in 2025, you probably felt it: things started moving again - but without the frenzy of previous hit markets.

2026 Mortgage Rate Outlook: Scenarios, No Certainties!

If you’re trying to figure out where mortgage rates go next in 2026, you’re asking the right question in the right way.

Borrower Stress in 2025: Arrears, Mortgage “Resets”, and What Banks Are Watching in 2026

2025 NZ Property Market Review: Prices, Sales Volumes, Listings and Regional Trends

2026 Mortgage Rate Outlook: Scenarios, No Certainties!

Borrower Stress in 2025: Arrears, Mortgage “Resets”, and What Banks Are Watching in 2026

If you’re a mortgage holder, 2025 probably felt like a year of two halves.

2025 NZ Property Market Review: Prices, Sales Volumes, Listings and Regional Trends

If you bought, sold, or even just watched the market in 2025, you probably felt it: things started moving again - but without the frenzy of previous hit markets.

Important to know

From first homes to investment properties, we’ve got you covered

First Home Loans
Get into your first home faster with clear guidance and smarter lending options.
Investment Property Loans
Lending tailored to maximise returns and manage risk.
Refinancing
Restructure or refinance to save money, get cash injections, shorten your term or free up equity
Loans for Overseas Buyers
Specialist advice and approvals for expats and international investors purchasing in NZ
First Home Loans
Get into your first home faster with clear guidance and smarter lending options.
Investment Property Loans
Lending tailored to maximise returns and manage risk.
Refinancing
Restructure or refinance to save money, get cash injections, shorten your term or free up equity
Loans for Overseas Buyers
Specialist advice and approvals for expats and international investors purchasing in NZ
First Home Loans
Get into your first home faster with clear guidance and smarter lending options.
Investment Property Loans
Lending tailored to maximise returns and manage risk.
Refinancing
Restructure or refinance to save money, get cash injections, shorten your term or free up equity
Loans for Overseas Buyers
Specialist advice and approvals for expats and international investors purchasing in NZ
First Home Loans
Get into your first home faster with clear guidance and smarter lending options.
Investment Property Loans
Lending tailored to maximise returns and manage risk.
Refinancing
Restructure or refinance to save money, get cash injections, shorten your term or free up equity
Loans for Overseas Buyers
Specialist advice and approvals for expats and international investors purchasing in NZ