Whether you're buying a home, growing a business, buying a vehicle, or consolidating debt — the right lending decision saves you thousands. We compare the full market and find the right fit, on the right terms.
You shouldn't need four different advisers for different types of credit. We cover it all — and make sure each piece fits with the rest of your financial picture.
Mortgages, top-ups, equity release, investment property loans, and refinancing. We structure it right from day one and negotiate the best rate available.
From startup funding to commercial property and working capital — we structure business lending around cash flow, not just the balance sheet.
Car loans, ute finance, boat finance, and equipment. We compare bank and non-bank lenders to make sure you're not overpaying on the rate or the terms.
High-interest debt is a drain on your financial progress. We consolidate where it makes sense — reducing your rate and simplifying repayments.
Banks don't tell you about competitors' rates. They offer what they think you'll accept. A lending adviser compares the whole market — and negotiates on your behalf.
We're paid by the lender when your credit is approved, so our advice is free to you. And because we work with 20+ lenders, our incentive is to find the genuinely best fit — not just what's easiest.
Home loan, business finance, vehicle, personal — or a mix. We'll confirm what you're looking for and what information we need from you.
Free, no obligationIncome, assets, existing debts, credit history, and your goals. We look at what you can borrow — and what you should borrow — before approaching lenders.
Takes one meetingWe approach the lenders most likely to give you the best deal for your situation. We compare rates, fees, and terms — then put a clear recommendation in front of you.
Full market comparisonWe handle all the paperwork and lender communication. You don't need to deal with the bank directly — we do it for you, and keep you updated every step of the way.
End-to-end managedA lending adviser helps you find, structure, and apply for credit — across banks and non-bank lenders. In NZ, advisers are paid a commission by the lender when your credit settles, so their advice is free to you. This also means they're not tied to a single bank — they can shop the whole market on your behalf and genuinely negotiate the best terms available.
Usually yes. Banks have discretion to offer rate discounts but rarely do unless pushed. An adviser who places high volumes with a lender has negotiating leverage that an individual doesn't. We typically find 0.2–0.8% better rates than what banks offer walk-in customers, which over a mortgage term can amount to tens of thousands of dollars.
For standard applications (good credit, verifiable income, adequate deposit), conditional approval typically comes within 24–48 hours of submitting a complete application. Formal approval can follow within a few days. Complex situations — self-employed, non-standard income, credit history issues — may take longer but we manage expectations from the outset.
Both situations are manageable — but require the right lender approach. We work with specialist lenders and non-bank providers who are better suited to complex income situations or impaired credit than the major banks. We assess your situation honestly, tell you what's realistic, and only proceed if there's a good path forward.
Yes, if you have sufficient equity in your property (usually at least 20% after consolidation). Rolling high-interest debt — credit cards, personal loans — into your mortgage at a lower rate can meaningfully free up monthly cash flow. The key is to then close those accounts and treat the rolled-in amount as a separate tranche you pay down aggressively, not just extend over 25 years.
Tell us what you need — home loan, business, vehicle, or personal — and we'll find the best option in the market. Free, no obligation.