At Personalised Mortgages we strive to provide the best mortgage advice in New Zealand, while forming client relationships that can last decades. We know that there’s more to providing good mortgage advice than just being great with numbers, which is why we offer truly personalised guidance designed to help you achieve your specific financial goals.
Our home loan Advisers have built strong relationships with over 20 different lenders across New Zealand. Our relationships with some of New Zealand’s top lenders gives us the flexibility to find a loan that is ideally tailored to your unique financial goals.
12
Years In Business
$1.98B
Value of lending
3,400
Transactions completed
At Personalised Mortgages we strive to provide the best mortgage advice in New Zealand, while forming client relationships that can last decades. We know that there’s more to providing good mortgage advice than just being great with numbers, which is why we offer truly personalised guidance designed to help you achieve your specific financial goals.
Whether you’re buying your first home, building, renovating or looking to refinance, our professional mortgage advisors can help find the best home loan for you.
Looking to upgrade your home or lifestyle? Green loans help fund energy-efficient improvements like solar, insulation, or EVs, often with low or interest-free rates.
Whether you’re a first-time or seasoned investor, we can help you make smart lending decisions that support long-term growth and strong returns.
A mortgage adviser works for you, not the bank. They compare multiple lenders, structure your loan to suit your goals, and handle the process end-to-end, often getting you a better outcome than going direct.
In most cases, no. Mortgage advisers are usually paid by the lender once your loan settles, so you get expert advice and support at no direct cost.
This is first question everyone asks, and simple answer is, it depends. We need to consider your income, expenses, deposit, and existing debts. An adviser will assess your full financial position and give you a clear, realistic borrowing range upfront.
The banks require different requirements for different borrowers. This can be as little as 5% and as much as 20% for an owner-occupied home. An adviser can walk you through what’s possible and what makes sense for you.
It can vary, but generally allow a few weeks from application to approval. Working with an adviser helps speed things up by making sure everything is packaged correctly from the start.
Whether you’re looking for expert mortgage advice to get you into your first home, or you’re upgrading,
refinancing or looking for an investment property, our experienced team can help find the right solution for you.
