An independent NZ broker directory
Mortgages, compared without the branch sales pitch
Find a FSPR-registered mortgage adviser who'll compare every NZ lender on a single application. Current bank rates updated weekly; brokers vetted; service free to borrowers.
- FSPR-registered
- Every NZ lender
- Free to borrower
NZ Bank Rates
● Live · advertised carded rates · 25 April 2026
% per annum
| Lender | Floating | 6 mo | 1 yr | 2 yr | 3 yr | 5 yr |
|---|---|---|---|---|---|---|
| ANZ NZ | 8.39 | 6.59 | 5.79 | 5.59 | 5.69 | 5.99 |
| ASB Bank | 8.39 | 6.55 | 5.75 | 5.55 | 5.65 | 5.95 |
| BNZ | 8.44 | 6.59 | 5.79 | 5.59 | 5.69 | — |
| Westpac NZ | 8.39 | 6.59 | 5.79 | 5.59 | 5.69 | 5.99 |
| Kiwibank | 8.50 | 6.65 | 5.79 | 5.59 | 5.69 | — |
| The Co-operative Bank | 8.40 | 6.59 | 5.75 | 5.55 | 5.69 | 5.95 |
| SBS Bank | 8.34 | 6.49 | 5.69▼ | 5.49 | 5.59 | 5.85 |
| Heartland Bank | 8.45 | 6.65 | 5.85 | 5.65 | 5.75 | — |
Carded (advertised) rates only. Banks frequently negotiate sharper rates than these — usually 0.20–0.40% lower for borrowers with strong applications. A broker will tell you what's actually achievable.
Reading the table
The advertised rate is the *worst* rate
Banks publish carded rates publicly but routinely negotiate 0.20–0.40% lower for borrowers with strong applications. A broker walks into the conversation knowing the carded rate, the negotiation room, and which bank is hungriest for new business this month.
The directory
A few brokers worth knowing
Different regions, different specialities — first-home, refinance, construction, investment. Browse the full directory by region.
Loan Market Auckland Central
Harriet Cole
First-home buyer specialist with deep KiwiSaver and Kāinga Ora experience.
Auckland Central
- First-home
- Refinance
Mortgage Supply Co Auckland
Dan Trent
Investor-focused — multiple-property structuring, trust ownership, brightline planning.
North Shore
- Investment
- Second-tier
- Refinance
Squirrel Mortgages
Ana Rangi
Bilingual broker (te reo / English) with strong Māori first-home buyer scheme expertise.
Mt Eden
- First-home
- Refinance
Tella Mortgages
Michael Shore
PAYE-stable specialist for public-sector and tech borrowers.
Wellington Central
- First-home
- Refinance
- Self-employed
By region
Find an adviser near you
We cover every NZ region with at least one local broker listed. Click through for the regional brief and full broker list.
Why use a broker
Because the bank you walk into has only one product to sell — its own.
An adviser sees every NZ lender's pricing and policies. The bank's branch staff see one. That gap is where most borrowers leave money on the table.
01
FSPR-registered only
Every broker we list is on the NZ Financial Service Providers Register and operates under a licensed FAP. Regulated, accountable, insured.
02
Whole NZ market
ANZ, ASB, BNZ, Westpac, Kiwibank, Co-operative, SBS, Heartland and second-tier lenders. One application, every bank assessed.
03
Free to borrowers
Brokers earn commission from the lender — not from you. Whole-market access plus structuring advice at no cost.
04
Specialty match
First-home buyer, refinance, construction, self-employed, investor — brokers specialise. We match by what you actually need.
The long reads
Reading before you borrow
Practical, NZ-specific writing on the things every borrower benefits from understanding before walking into a bank or broker meeting.
Long read · 9 min · 26 April 2026
First-home buyer's guide to NZ mortgages, 2026 edition
What you actually need: deposit thresholds, KiwiSaver withdrawal, First Home Grant eligibility, Kāinga Ora First Home Loan, and how brokers structure marginal applications.
Read article →
Long read · 6 min · 26 April 2026
Refinancing in NZ — when it actually saves you money
How to tell whether changing lenders is worth it once cashback, break costs and rate differentials are properly counted.
Read article →
Long read · 7 min · 26 April 2026
Construction loans in NZ — how progress payments work
What progress draws actually mean, how cost overruns are funded, and the questions to ask a builder before signing fixed-price.
Read article →
Ask us directly
Need a broker recommendation?
Tell us your situation — first-home, refinance, construction, investor, self-employed, or somewhere weirder. We'll point you at the broker most likely to do well by you.
- Independent — no commission share with the brokers we recommend
- Free to ask, no obligation either way
- We don't write mortgages — we just know the brokers who do