Wealthify | Best mortgage advisors in New Zealand
A licensed Financial Advice Provider (FAP) · Free Advice, Always

Mortgage advisers
who could save you thousands.

Advice tailored to your situation from our panel of 20+ lenders. We negotiate on your behalf and manage the process for you — at no cost to you.*

Book a free call
10+
years of combined experience
Trusted by families
across New Zealand
5 ★
Google rating
Rate comparison Estimate
Your current bank
5.59%
$4,336/mo
$700k · 25 yrs
Best rate we found
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{{ bestPayment }}/mo
same balance & term
Monthly saving
back in your pocket
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Total interest saved · 25 yrs {{ totalSaved }}+
Illustrative estimate only, not financial advice. Actual results vary by circumstance — confirm your exact numbers with your adviser.
We work with
ANZ
ASB
BNZ
Westpac
TSB
SBS Bank
The Co-operative Bank
AIA
ANZ
ASB
BNZ
Westpac
TSB
SBS Bank
The Co-operative Bank
AIA
Independent advice
What we do

One place for all your major financial decisions.

Independent advice across five core areas — all under one roof, all free.*

Up to $110,000
potential interest saved — based on the rate example above

We compare 20+ NZ lenders — banks and non-banks — and negotiate on your behalf, at no cost to you.*

Banks + non-bank + specialist lenders
Free — we're paid by the lender
Full paperwork & bank negotiation handled
Find my rate →
Your current bank
5.59% $4,336/mo
A competitive rate
{{ bestRate }}% {{ bestPayment }}/mo
Monthly saving {{ monthlySaving }}/mo
70%
of Kiwis are underinsured

Life, health, income protection, trauma — we review your situation and find the cover that's right for you. No jargon.

Compare insurers from our panel
Claims support when you need it most
Annual reviews to keep cover current
Review my cover →
Life
$500k
cover (example)
Health
$200k
cover (example)
Income
Up to 75%
of salary*
Example figures only. Actual cover amount, benefit percentage and premiums depend on your policy, insurer and circumstances.
See how your fund choice could affect your balance at 65

Most Kiwis haven't checked whether their fund still matches their age and goals. A quick review could make a meaningful difference to what you retire with.

Fund performance comparison across providers we work with
Right fund type for your age & goals
We handle the switch paperwork
Ask us about KiwiSaver →
EXAMPLE — PROJECTED BALANCE AT 65
Current fund $195,000
Optimised fund $272,000
Extra at retirement +$77,000
Tell us once. We do the rest.

Car, renovation, debt consolidation — we find a loan that fits your situation. Plain terms, and any fees explained upfront.

Personal, car & business loans
Renovation & consolidation loans
Rural finance, reverse mortgages & bridging loans
Get in touch about a loan →
A quick, no-obligation chat
about your situation
We compare and negotiate for you
From the lenders we work with
Fast turnaround once approved
Timing depends on your lender
3 in 4
New Zealanders have no investments outside property and KiwiSaver

A personalised investment plan built around your goals, risk appetite, and timeline. Diversified, transparent, reviewed annually.

Diversified across asset classes
Advice from a licensed investment provider
Start from as little as $100
Build my portfolio →

We can refer you to a licensed investment specialist to help you build a personalised plan — built around your goals, risk appetite, and timeline.

SAMPLE BALANCED PORTFOLIO — Illustrative only
NZ shares 40%
International shares 30%
Fixed income 20%
Cash 10%
Refinance Savings Calculator

See how much you could save by refinancing

Based on current NZ bank rates. Three quick inputs. Your potential saving in under 30 seconds — no login required.

Wealthify Limited (FSP1012489) is a licensed Financial Advice Provider · Estimate only, not financial advice

How it works

Three steps
01
1

Run your numbers

Use our free calculator to model your mortgage and see what you could pay — then try different rates and terms to see what's possible.

02
2

Get your personalised plan

We have access to a panel of 20+ lenders — banks, non-banks, specialist lenders — and come back with a strong option structured for your situation. The lenders we assess depend on your needs and eligibility.

03
3

We handle the rest

Free 30-minute call — our advice is free, as we're paid by the lender, not you. Then we manage the full application, paperwork, and bank negotiations. You say yes. We do the running around.

What makes us different

We're not a bank. We're on your side. Independent advisers who do the hard work so you don't have to.

Book a free call
Independent advice
Advice tailored to your situation from our panel — your interests always come first.
Plain English
No jargon. We explain everything clearly so you can make confident decisions.
We do the wrangling
We handle the paperwork, bank negotiations, and follow-ups. You just say yes. We help clients NZ-wide.
Free to use
Our advice comes at no cost to you. We're paid by the lender, not you. Please refer to our Disclosure Information for full details on fees.

What our clients say

"Wealthify saved us over $40k on our mortgage. I didn't think a broker could make that much of a difference — I was wrong about that."
Sarah & Mike H.
Auckland · First home, refixed Nov 2024
★★★★★

"I'd been putting off sorting my KiwiSaver for years. One call with Wealthify and it was done — no jargon, no pressure."

James T.
Wellington · KiwiSaver switch
★★★★★

"Needed life cover sorted fast. Same day, $80/month cheaper than what I'd found myself. Genuinely impressed."

Priya M.
Christchurch · Life insurance
★★★★★

Still on the wrong rate?

Many Kiwi homeowners are paying more than they need to. A free 30-minute call with a Wealthify adviser could help you find out — no obligation, no jargon.

Book a free call

Questions we get a lot

Our financial advice comes at no cost to you for mortgage, KiwiSaver, and insurance clients in most cases. We're paid a commission by the product provider — though a clawback fee may apply if you repay or refinance very early. Full details are in our Disclosure Information.
In most cases, yes — we can access a panel of 20+ lenders including major NZ banks, and negotiate on your behalf. Every situation is different, so we'll give you an honest picture of what's realistic for you and present the options we find.
Our calculator uses the standard NZ amortisation formula and is a great starting point for planning. Actual repayments may vary based on your lender's exact rate, fees, and other conditions. We recommend talking to an adviser for a personalised quote.
We work with clients throughout New Zealand. Most consultations happen online or by phone, so location is no barrier. Whether you're in Auckland, Wellington, Christchurch, or anywhere in between — we've got you covered.
The banks and lenders shown on our site are examples of who we work with, not the full list. The lenders we assess depend on your specific needs and eligibility — talk to us for a clearer picture of what's available for your situation.
We work with a range of situations beyond straightforward applications, including self-employed income and less-than-perfect credit histories. Every case is assessed individually, so it's worth talking to us even if you're not sure you'll qualify.
Your bank can only offer you their own rates and products. We can access a panel of 20+ lenders, so we're able to compare options across the market rather than just one provider. We're also required to prioritise your interests, not the bank's, when we give advice.