Palmerston North · Manawatū
Independent mortgage advice for first home buyers, refinancing, and self-employed borrowers, from a broker based in central Palmerston North. We compare lenders across the market instead of pushing one bank's rate. The first conversation is free.
Local & Independent
Mutual Solutions Limited is a licensed Financial Advice Provider (FSP729871) based on Broadway Avenue in central Palmerston North. Upmeet Sodhi (FSP250405) is the adviser you deal with, start to finish, from your first conversation through to settlement.
Going direct to your own bank means you only see that bank's rates and lending criteria. A broker compares across multiple lenders, so if one bank's servicing calculator says no, or their rate isn't competitive, we can go to another lender rather than you having to start the whole process again yourself.
We are independently owned and paid the same commission by the lender regardless of which one you end up with, so the recommendation is based on what actually fits your situation, not which bank we're tied to.
Level 2, 26 Broadway Avenue
Palmerston North 4410
0800 67 55 55 · info@mutuals.co.nz
Happy to meet at our office, at your home or workplace, or over video call, whichever is easiest for you.
Who We Help
Manawatū's property market and the mix of self-employed and salaried borrowers here shape what a workable loan application actually looks like. We structure the application around your real financial picture, not a generic template.
01
First home buyers. Understanding deposit requirements, First Home Grant and First Home Loan eligibility, and how much you can actually borrow before you start looking at properties, so you're not disappointed after finding the right place.
02
Self-employed borrowers. Banks want financials presented a very specific way. We package the application correctly with your accountant's figures, which is where most self-employed applications go direct-to-bank and get declined unnecessarily.
03
People refinancing. Whether your fixed rate is expiring, you want to consolidate debt, or your circumstances have changed, we compare what your current bank offers against the rest of the market before you re-fix anything.
04
Growing families needing to restructure. Moving to a bigger property, adding a second income, or coming off parental leave all change what a bank will lend and how the loan should be structured.
Beyond the Loan
A mortgage rarely stands alone. Most of our home loan clients also want their insurance reviewed at the same time, since a bigger mortgage usually means the existing cover needs a second look.
Lending
Home loans in detail
Full breakdown of how we work with first home buyers, refinancing, and self-employed borrowers across multiple lenders.
Protection
Life & trauma cover
Cover that clears the mortgage and keeps your family going if the worst happens, sized correctly for your loan.
Income
Income protection
Replaces up to 75% of your income if illness or injury stops you working, so the mortgage still gets paid.
Deposit
KiwiSaver & first home withdrawal
Making sure your KiwiSaver is structured right ahead of a first home withdrawal, and understanding what you're eligible for.
Guide
Self-employed mortgage guide
What lenders actually want to see, and which lenders work best for self-employed applicants.
Your Adviser
About Upmeet
10+ years advising New Zealand families and business owners. Exec MBA (Massey), Dip. Financial Services, FSP250405.
What Clients Say
Reviews from real clients on our Google Business Profile. We would rather you read these than take our word for it.
"Upmeet made the whole home loan process so much easier than we expected. He explained everything clearly, kept us updated at every step, and got us a better rate than our own bank had offered."
Google Review
"There were administrative issues with my major medical claim, and Upmeet helped me tremendously to resolve them — even while he was at a conference overseas. That meant a lot to me at a difficult time."
Google Review
Service Area
We are based in Palmerston North and see plenty of clients face to face across the city and the wider Manawatū. We also advise clients throughout New Zealand by phone and video, which works well for most of the mortgage process.
Common Questions
Does a mortgage broker cost anything in Palmerston North?
No. We're paid a commission by the lender if your loan goes ahead, at no extra cost to you — you get the same rate you'd get going direct, plus someone comparing lenders on your behalf. See our disclosure statement →
Which banks and lenders do you work with?
We're not tied to any single bank. We work across multiple New Zealand lenders and compare rates, cash contributions, and lending criteria to find what actually fits.
Can you help self-employed borrowers get a mortgage?
Yes — this is one of our most common mortgage clients. Self-employed applications need to be packaged the way each lender wants to see them. Read the self-employed mortgage guide →
Where is your Palmerston North office?
Level 2, 26 Broadway Avenue, in central Palmerston North. We can also meet at your home, your workplace, or over video call.
Do you only help first home buyers?
No. We help first home buyers, people refinancing, and those restructuring lending as their situation changes.
A free 30-minute conversation with an independent broker. No pressure, no obligation, and a clear picture of what you can actually borrow.