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Smart mortgage advice for everyday Kiwis

We know that buying a home is one of the biggest financial decisions you'll ever make. Whether you're a first home buyer, upgrading, or looking to refinance, our team cuts through the confusion with clear, personalised mortgage advice.

Our Process

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First Home Buyers

We explain the process, help with KiwiSaver and First Home Loan options, we ensure you're set up for long-term success.
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Refinancing

Optimise your interest rate, reduce payments, or restructure your mortgage for better cashflow.
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Next Home Buyers

Whether you're upsizing, downsizing, or relocating, we'll help you take the next step.
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Carole French profile picture
Carole French
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Matt went above and beyond! Not only did he source the best mortgage options for us - he also took the time to explain every step. As first home buyers with unusual circumstances, Matt listened to our needs, found an excellent solution, and removed all the stress. Highly recommended.
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Julie Shacklady profile picture
Julie Shacklady
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Matt did a fantastic job with our lending, presenting multiple options and scenarios and really thinking of every option to try and structure our loan in the most effective way. He is extremely knowledgeable and I felt in safe hands throughout what can be a very stressful time!
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Jonathan Entwistle profile picture
Jonathan Entwistle
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Pro's of working with Matt - he's a fantastic mortgage broker, exceptional communicator, remarkably hard worker, very good at the board game Operation (probably). Con's of working with Matt - let me know when you find one. Thanks again, highly, highly reccommended.
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Stella Amos profile picture
Stella Amos
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My partner and I had a great experience working with Matt throughout the mortgage process. He’s professional, responsive, and made everything straightforward and stress-free ! He was always happy to answer all questions and at any time. We really appreciated his guidance and would highly recommend him to anyone looking to buy their first home 😊 Thanks Matt !!
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Charmien Paul profile picture
Charmien Paul
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Matt has been fantastic - extremely knowledgeable and insightful about the market. He took the time to lay out all my options clearly and has gone above and beyond to help me make the best choice. I really appreciate the effort and highly recommend Matt to anyone looking for an adviser they can trust.
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Dan Airey profile picture
Dan Airey
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Matt was great to deal with from start to finish, offering insight and great advise. Very happy, will be giving matt again in the future.
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Sam Scoles profile picture
Sam Scoles
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Matt has been an absolute legend helping me get my mortgage sorted. Nothing was a bother and always on top of things and kept me upto date through the whole process.
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Isaac profile picture
Isaac
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We’re truly grateful to have had you as our mortgage broker. Given our age and the fact that I’m still early in my property management journey, we thought securing a good loan and buying our first home in Auckland would be next to impossible. But you made it happen. Thank you for your support and expertise — we’ll gladly recommend your services to any friends in need of a mortgage broker. Isaac & Delight
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hazel ellis profile picture
hazel ellis
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Matt is extremely helpful, buying house is stressful enough and he made the while experience a breeze! Took all the worries of finance off our plates, we will be using Matt’s expertise to buy our second property in a few years! We even passed his name on to family members and he’s helped them secure 2 properties, Would 100% recommend using his services.
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Nicki Airey (Rotorua Manager) profile picture
Nicki Airey (Rotorua Manager)
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Matt has helped me purchase two properties so far and it has been absolutely pain free, he gives great advice and gets the best out of our Fianacial situation. I highly recommend Matt and will be using him for all of our future investments!

Your home loan journey starts here.

Call us on 021 953 550 or request a free consultation today.

Common questions we help with:

That depends on a few factors—whether you're a first-time home buyer, an investor, or building a new one.
  • For most first home buyers, a 10–20% deposit is standard, although options of 5% deposit are available. With KiwiSaver and First Home Loan options, many Kiwis get there faster than they think.
  • Investors typically need 30% equity, although equity from other properties may be used.
We’ll help you understand where you stand and what’s possible—often, it’s more achievable than you realise.

There’s no one-size-fits-all answer. The “best” lender depends on your goals, income, deposit size, and how you want your repayments structured.
Some lenders are better for low deposits. Others offer sharper rates or more flexible terms for investors.

We compare 20+ banks and lenders on your behalf—and recommend the one that fits your strategy, not just your rate.

Your loan structure shapes how you repay your mortgage and how much interest you pay overtime. We look at options like:
  • Fixed vs floating interest
  • Revolving credit or offset accounts
  • Splitting loans for flexibility and risk management
Our job is to explain these clearly and build a structure that fits your lifestyle, cash flow, and future goals.

We take the time to explain your options and build a strategy that's tailored to your goals. No jargon. No pressure. Just honest, expert advice to help you move forward.

Ready to start your application?

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