Home Loans
Whether you're buying your first home, refinancing, or investing, we work with multiple lenders to find the loan structure and rate that suits you, then handle the application from start to settlement. Based in Palmerston North, serving all of New Zealand.
Why Use An Adviser
Walk into your bank and you'll only ever see that bank's products. As independent advisers we work across multiple lenders, comparing interest rates, cash contributions, and lending criteria. Just as importantly, we know which lender's credit appetite fits your situation, which matters enormously if you're self-employed, have a smaller deposit, or an unusual income pattern.
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Multiple lenders compared on rate, cash-back, and criteria, not just the bank you happen to be with.
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Application strategy. We present your income, deposit, and accounts the way lenders want to see them, improving your approval odds.
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Structure advice. Fixed vs floating, split loans, offset accounts, and repayment strategy to pay the loan off faster.
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Free to you. Like most NZ mortgage advisers, we're paid by the lender when your loan settles. We disclose exactly how before you commit.
Who We Help
First home buyers
KiwiSaver first-home withdrawal, Kāinga Ora First Home Loan, deposit requirements, and pre-approval. We guide you through the whole process step by step.
Refinancing
If your fixed term is ending or your bank isn't competitive, refinancing can save real money. We compare the market and manage the switch.
Self-employed
Lenders treat self-employed income cautiously. We know what each lender wants to see and how to present your financials for the best outcome.
★★★★★
"If I have to describe the service in one word — AMAZING! Upmeet made our first home buying journey smooth and stress-free. He was always available to answer our questions and guided us every step of the way."
Google Review · Mutual Solutions
Common Questions
How much deposit do I need?
The standard deposit is 20%. Some lenders lend below that with a Low Equity Premium, and eligible first home buyers may access the Kāinga Ora First Home Loan with a smaller deposit. Read our first home buyer guide →
Can I use my KiwiSaver for a first home?
In most cases yes. If you've been a KiwiSaver member for at least three years, you can generally withdraw most of your balance towards your first home. We help you check eligibility and time the withdrawal correctly.
I'm self-employed. Is it harder?
Lenders usually want 2-3 years of financials showing consistent income, and each lender assesses self-employed income differently. Read our self-employed mortgage guide →
What does your service cost?
In most cases nothing. We're paid a commission by the lender when your loan settles, and we disclose exactly how we're paid before you commit. See our disclosure statement →
Free pre-approval guidance, lender comparison, and a clear plan, whether you're buying your first home or your fifth.