A licensed Financial Advice Provider (FAP) · Free Advice, Always
Find a mortgage rate
that fits your situation.
We can access a panel of 20+ NZ lenders, negotiate on your behalf, and handle every step — at no cost to you.*
What's your situation?
First Home
Buyer
Buyer
5%
min. deposit
KiwiSaver, a gift from family, or savings — any of these can form your deposit. Get pre-approved first, then shop with confidence.
Learn more
Refinancing
& Refixing
& Refixing
Up to $551
monthly saving (example based)
We can access a panel of 20+ lenders at refix. We handle the switch — refinancing can involve break costs, which we'll help you compare upfront.
Learn more
Investment
Property
Property
10%
min. deposit
Investment mortgages have different LVR rules, serviceability tests, and structuring requirements. We work with lenders who understand property investors and help structure your numbers.
Learn more
New Build
& Construction
& Construction
10%
min. deposit
Staged drawdowns, build-specialist lenders, and LVR exemptions for new builds.
Learn more
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Talk to a mortgage adviser.
30 minutes on us. No obligation. No cost.* We'll map out your options and give you a clear picture of where you stand.
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We have access to
ANZ
ASB
BNZ
WESTPAC
SBS
+ 20 more lenders
The Process
From first call to keys in hand
1
Free consultation
30 minutes. Tell us your goals and situation. Free, no obligation.
2
We explore the market
We have access to a panel of 20+ lenders and negotiate on your behalf. The lenders we assess depend on your needs and eligibility.
3
Your options presented
Clear comparison of the options we find. You choose. No pressure.
4
Application & docs
We guide you through the paperwork and liaise with the lender directly.
Approved & settled
Formal approval, settlement, and the keys are yours.
Preparation
What you'll need to apply
Gather these ahead of your call and we'll move fast. We'll get moving on your application straight away, based on your servicibility and financial position.
Book a free callAll applicants
Passport or driver's licence
Last 3 months payslips
Last 3 months bank statements
Deposit evidence (savings / KiwiSaver)
Last 3 months existing debt statements (credit cards, loans)
If self-employed
2 years financial statements
2 years IR3 tax returns
Business bank statements (3 months)
If purchasing without pre-approval : Provide us copy of your Sale & Purchase agreement as well.
FAQ
Questions we get a lot
Free · No obligation · A licensed Financial Advice Provider (FAP)
Ready to find a mortgage that fits?
A 30-minute call with a Wealthify adviser could help you find a better option. No jargon, no pressure.