Home Loans NZ: Options & Pre-Approval

The lender / bank pays us when your loan settles. A broker fee can apply for small loans, complex/non-bank or bridging scenarios, or if an early “clawback” triggers. We’ll disclose any fee in writing before you proceed. No surprises.

We compare banks and non-banks and match you to the policy that actually fits, not just a teaser rate. We optimise approval odds, cost, and structure (splits, offsets, interest-only where suitable). One application pack, multiple offers, and we manage the admin. You keep your options open and we recommend the best-fit lender. You choose.

No two lenders apply the same rulebook, and some situations simply don't fit a one-size-fits-all approach. Yes—declines are feedback, not the finish line.  Self employed income, multiple properties, changing financial circumstances, or applications that fall outside the standard mould may need additional documents, or a lender whose criteria is genuinely better suited to the situation. Getting that clarity before you apply, rather than after, is what makes the difference.

With complete documents, straightforward bank files are often 2–5 business days; non banks can be 12–48 hours. Timelines vary with valuations, entities, and busy periods. Ask for our 10-minute checklist to shave days off. We’ll tell you exactly what’s needed upfront.

Absolutely—we tailor to both. Investors: rental income shading, portfolio treatment, and cash-flow structure matter. Self-employed: we present income clearly (financials/IR3s or accepted alt-doc) and plan around tax timing; newer businesses may start with a non bank, then move back to a bank. You’ll get a lender shortlist and a step-by-step doc list.