32+ Five-Star Reviews
Your New Zealand
Home Loan Sorted.
Get a free, no-obligation home loan assessment in minutes. We compare rates across NZ’s leading banks and lenders – so you don’t have to. Helping Kiwi families into their homes since 2018.
- No credit check to enquire
- KiwiSaver guidance included
- Independent, fee-free advice
Get Your Free Assessment
No obligation. No credit check. Independent advice from NZ's top Advisers.
No credit check. No spam. Independent advice. Privacy Policy
Thanks! We'll be in touch soon.
A mortgage adviser will contact you within one business day.
Home Loan Solutions
The Right Loan for Every Kiwi
Whether you are a first home buyer, seasoned investor, or ready to build – we have a home loan solution tailored to your situation across all major NZ banks and lenders.
First Home Buyer
Get into your first home with as little as 5% deposit. We will help you navigate KiwiSaver withdrawals, any available grants, and Kāinga Ora’s First Home Loan scheme.
- 5% deposit options available
- KiwiSaver withdrawal guidance
- First Home Grant assistance, if any
- Kāinga Ora approved advisers
Fixed Rate Home Loan
Lock in your interest rate for 6 months to 5 years. Know exactly what your repayments will be – perfect for planning and budgeting.
- Terms from 6 months to 5 years
- Predictable repayments
- Rate lock available
- Split lending options
Floating Rate Home Loan
Enjoy the flexibility to make extra repayments or pay off your loan early without penalty. Ideal if your circumstances may change.
- No early repayment fees
- Make lump sum payments anytime
- Redraw available
- Link with offset accounts
Revolving Credit
A flexible facility linked to your home loan. Draw funds as needed and reduce interest by keeping your salary in the account.
- Reduce interest daily
- Access funds anytime
- Salary offset feature
- Combine with fixed proportions
Investment Property
Finance your next rental property with competitive rates tailored for NZ property investors. We understand LVR rules and how to structure for maximum efficiency.
- Up to 65% LVR for investors
- Interest-only options
- Portfolio lending strategies
- Tax-efficient structuring
Construction Loan
Building new? We arrange progressive drawdown loans that release funds at each stage of construction thereby keeping costs low while you build.
- Progressive drawdown facility
- Interest-only during build
- New build LVR exemptions
- Fixed price contract preferred
Repayment Calculator
Know Your Numbers Before You Apply
Estimate your repayments instantly. See how fortnightly payments can save you thousands in interest, a trick most Kiwis don’t know.
| Frequency | Payment | Total Repaid | Total Interest |
|---|
Indicative only. Actual rates depend on your lending criteria.
Simple Process
From Enquiry to Keys in 4 Steps
We take care of the complexity so you can focus on finding the right home and not navigating bank paperwork.
Tell Us Your Situation
Fill out our quick, secure form in under 3 minutes. No credit check required; just the basics so we can understand your goals.
1
We Shop the Market
Our licensed mortgage advisers compare rates across all major NZ banks and non-bank lenders to find your best deal.
2
Get Pre-Approved
Receive a pre-approval on time. Make offers on properties with confidence. Vendors take pre-approved buyers seriously.
3
Settlement Day
We manage every document and deadline alongside your solicitor. Most clients settle within 30 days of approval.
4
Our Team
Meet Your Advisers
Licensed Financial Advisers (FSP registered) with deep knowledge of the NZ lending landscape. They’ve been through thousands of settlements and know what it takes.
Pamela Adelekan
Principal Mortgage & Insurance Adviser
- 8 yrs
- 320+ loans settled
First Home Buyers
KiwiSaver & First Home Grant
Construction Loan
Refinance
Insurance
Jimmy Li
Business Development Manager
- 6 yrs
- Relationship Expert
Connector
Sales
Business Development
Jona Ngata
Loan Writer
- 3 yrs
- 75+ loans assessed
Refinance & First Home Loan
Construction Loan
Google Reviews
5
Based on 112 reviews
Real Kiwis. Real Results.
We don’t just settle loans, we build long-term relationships. Here is what our clients say after working with us.
MJ
Mya Joseph
Auckland
Advisenow made buying our first home in Auckland feel actually achievable. Pamela walked us through KiwiSaver withdrawal and we got the First Home Grant sorted too. We settled in 28 days. Already recommended to three friends.
3 weeks ago
24 found this helpful
LC
Li Chen
Wellington
After getting knocked back by ANZ and Westpac, Advisenow found us a non-bank lender that worked perfectly for our situation. Pre-approved the same afternoon. Our repayments are $290 less per fortnight than we expected. Stoked.
1 month ago
31 found this helpful
JP
James Price
Christchurch
We’re new to NZ and had no idea how the home loan process worked here. Pamela explained LVR rules, KiwiSaver, and fixed vs floating in plain English – no jargon. We’re now in our own home in Rolleston. Absolutely brilliant service.
2 months ago
28 found this helpful
EW
Elaine Wheeler
Hamilton
Used Advisenow for my second investment property. They structured the loan across two banks to maximise my tax position and keep my LVR compliant. Pamela knows property investing inside out. Settlement went perfectly smooth.
3 weeks ago
24 found this helpful
NP
Neera & Kevin Patel
Tauranga
We have bought three homes and this was by far the smoothest process. The portal kept us updated at every step and Pamela negotiated a rate 0.3% below what BNZ quoted us directly. Don’t go to your bank first; call these guys.
3 months ago
27 found this helpful
CR
Callum Richard
Queenstown
Building a new home in Queenstown – the construction loan process is notoriously complicated. Advisenow handled the progressive drawdowns flawlessly and the new build LVR exemption saved us from needing a 20% deposit. Game changer.
3 months ago
15 found this helpful
BZ
Blanchet Zhang
Auckland
Self-employed for three years. My accountant said I’d struggle to get bank finance. Advisenow knew exactly how to present my income. We got approved by two lenders and chose the best rate. Honest, fast, and genuinely helpful.
4 months ago
33 found this helpful
JS
Jay & Sophie Singh
Dunedin
Refinanced after our 2-year fixed term ended. Advisenow compared four banks and saved us $180/fortnight on repayments. The whole process took less than a week. Will absolutely use them again when we re-fix in 2027.
5 months ago
19 found this helpful
Rates Move Daily
Don't Wait for Rates to Rise. Get Sorted Today.
The RBNZ’s OCR decisions move NZ mortgage rates, sometimes overnight. A 0.25% rate increase on a $700,000 loan adds $88 per fortnight to your repayments. Don’t sit on the fence.
Rate lock available on application
Fast turnaround for Pre-approval
Lock In Your Rate Today
OCR decisions move rates fast - don't miss your window.
No credit check. No spam. Independent advice. Privacy Policy
Thanks! We'll be in touch soon.
A mortgage adviser will contact you within one business day.
Licensed Financial Adviser supporting Kiwis across New Zealand to secure the right home loan and protect their future with tailored insurance solutions.
- 028 8520 0500
- +642885200500
- support@advisenow.co.nz
- Level 8/139 Quay Street, Auckland CBD, 1010
Home Loan Products
- First Home Buyer
- Fixed Rate Home Loan
- Floating Rate Home Loan
- Revolving Credit
- Investment Property
- Construction Loan
- Loan Restructuring
Resources
- Repayment Calculator
- LVR Explained
- First Home Buyer Guide
- KiwiSaver & Your Home
- OCR & Interest Rates
- Privacy Policy
- Terms of Service
- Public Disclosure
Company
- About Us
- Our Advisers
- Careers
- Blog
- Media
- Contact Us
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.
