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Apply for a Mortgage

Mortgage, Insurance & KiwiSaver licensed nationwide

Your financial future,
fully covered.

From securing the best mortgage rate to protecting everything you’ve built – one trusted team handles it all. Get your free quote below.

Finance for a Mortgage?
Get an Insurance Quote
Free KiwiSaver Review

No credit check. No obligation. 100% free assessment.

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Mortgage Clients Served
0 +
Loans Settled
$ 0 M+
Insurance Clients Served
0 +
Avg Rating
0 / 5
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Relationship first, Advise second.

Every family’s journey is unique. You deserve personalised financial advice that fits your current needs and future plans. With our deep market understanding and years of experience, our advisers stand ready to provide unwavering support across our offerings, helping you secure your tomorrow no matter where you are in Aotearoa, New Zealand.

Mortgage Services

Your best mortgage rate,
without the hassle.

Skip the bank. We shop dozens of lenders to find you the most competitive rate – new purchase, refinance, first home loan, construction loan, and more. One specialist, start to finish.

Access to multiple lenders

We compare rates across our full network - something banks simply can't offer.

Dedicated specialist

One contact from application to closing day - no call centers, no transfers.

Transparent, no-pressure

Every fee explained clearly. You decide - we just make sure it's informed.

Families Helped
0 +
Client Savings
$ 0 M+
Avg. Close Time
0 - 28 days
Mortgage

Get your free rate check

No credit check · Takes 2 minutes

Step 1 of 4 25% complete
What are you looking to do?
Let's start with your goal.
✓

You're all set!

A mortgage specialist will review your details and reach out within one business day.

Summary
Loan type
Loan amount
State

Mortgage Repayment Calculator

Estimate your home-loan repayments and see how extra payments could reduce your interest and loan term.

Your loan details

Adjust the figures below. Your estimate updates automatically.

$
Enter the amount you expect to borrow.
%
years
Repayment frequency
$
Optional. Check your lender’s rules for additional or early repayments.
Estimated repayment
$0 per fortnight

Principal-and-interest estimate.

Estimated total interest $0
Estimated total repayments $0
Interest potentially saved $0
Estimated time saved 0 months

Estimated loan balance over time

Indicative only

Ready to understand your borrowing options?

An Advisenow mortgage adviser can help you compare lenders, structure your loan and plan your next step.

Talk to a Mortgage Adviser
Speak with Pamela: 028 8520 0500 pamela@advisenow.co.nz
This calculator provides estimates for general information only and does not constitute personalised financial advice, a loan offer or a guarantee of approval. Calculations assume a principal-and-interest loan with a constant interest rate and regular repayments. Actual lender calculations may use daily interest, fees, different compounding methods or other terms, so results may vary. Extra repayments may be restricted or may incur costs. Consider obtaining personalised advice before making financial decisions. Zigi Financial Services Limited trading as Advisenow, FSP1007853.

Personal Insurance

Better coverage.
Lower premiums.

Stop overpaying. We compare life, health, income, mortgage, and trauma/critical illness insurance across top providers – so you get the best protection at the right price.

All major insurance providers compared

Life, health, income, mortgage, & trauma/critical illness insurance - we find the best deal across the market.

Bundle and save up

Combine multiple insurance products to unlock significant multi-line discounts.

Licensed advisor, start to finish

One dedicated advisor manages your policy - no hold queues, no confusion.

Coverage types

Life

Health

Income Protection

Mortgage Protection

Trauma/Critical Illness

Home

Policies Placed
0 +
Client Savings
$ 0 +
Client Rating
0 / 5
Personal Insurance

Get your free coverage quote

Trauma · Life · Health · Income · Mortgage

Step 1 of 4 25% complete
What do you need to insure?
Select all coverage types you are looking for.
✓

Quote request received!

Thank you! A licensed insurance advisor will reach out within 1 business day with your personalised coverage options.

No obligation. No pressure.

Client Stories

Trusted by hundreds.

Sarah M.
Mortgage · First-time buyer, Auckland

"I'd been turned down by two banks before. They found us a lender within days and our rate was better than anything we'd seen."

Maria D.
Home Insurance · Hamilton

"I was paying way too much for home insurance and didn't even know it. They found a better policy and saved me $800 a year."

Kevin R.
Bundle Insurance + Mortgage · Tauranga

"Bundled my home and auto - saved over $1,200 annually. Then they handled our mortgage too. Genuinely one of the best decisions we made."

Why choose us

One team. Every financial need.

We are independent advisors – we work for you, not the banks or insurance companies.

Independent advice

No bank, no insurer pays us. We find what's best for you - full stop.

Mortgage + insurance bundle

Buying a home? We can sort your mortgage, home and personal risk insurance in one go.

Dedicated specialist

One point of contact for both mortgage, insurance and kiwiSaver needs.

Licensed nationwide

Wherever you are buying or insuring, we are fully licensed to help.

FAQ

Frequently asked questions

Mortgage

No. Getting a quote is a soft inquiry only and will never impact your credit score. A hard pull only happens if you proceed with a formal application.

We work with construction loans, refinances, first home loans, refix, investment loan, and conventional mortgages.

Absolutely. We explain the entire process and help you understand every program you may qualify for.

Insurance

No. Getting a quote is completely free and non-binding. We compare options and you decide what's right for you.

Yes, and we strongly recommend it. Bundling with the same provider typically saves you money on the policies.

Great news - we can handle both. We will coordinate your mortgage and insurance together to make sure you are fully covered at close.

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★ Let's talk

Your journey, our advice

Get in touch with the team today

Contact Us

Tell us briefly how we can help

Contact us today to discuss how we can help you. Alternatively, you can call us on: 028 8520 0500

🕑 Open Mon-Fri, 8:30am - 5pm

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Thanks for reaching out. One of our advisers will get back to you within one business day.

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Licensed Financial Adviser supporting Kiwis across New Zealand to secure the right home loan and protect their future with tailored insurance solutions.

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Home Loan Products

  • First Home Buyer
  • Fixed Rate Home Loan
  • Floating Rate Home Loan
  • Revolving Credit
  • Investment Property
  • Construction Loan
  • Loan Restructuring

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Zigi Financial Services Limited (Owners of Advisenow) | FSP Registration No. FSP1007853 | Financial Advice Provider licensed under the Financial Markets Conduct Act 2013. We are members of the Kiwi Advisers Network (KAN). Our advisers are registered on the Financial Service Providers Register (FSPR). This website contains general information only and does not constitute personalised financial advice. Lending criteria, terms, conditions, and fees apply. Interest rates are subject to change. All figures are in New Zealand dollars (NZD). Credit subject to assessment.

© 2026Zigi Financial Services Limited
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