New Zealand Mortgage Advisers

Mortgages
made simple.
Advice you can trust.

We compare NZ lenders to help you buy, refinance, invest or get a better deal.

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★★★★★
5.0 Google RatingFrom 43 reviews
Trusted by Kiwi
homeowners across NZ
A New Zealand family settling into their new home

Trusted lenders we work with

ANZASBBNZWestpacKiwibankTSBSBS Bankand more.

How we can help

First Time Buyer

From KiwiSaver & deposits to pre-approvals, we help get you into your first home.

Home Mover

Sell, buy, and move seamlessly with finance and expert timing.

Refinance

Better rates, cashback offers, and smarter structures, we save you money on your mortgage.

Investors

From cashflow analysis to smart debt structuring, we help you grow your property portfolio.

How much does it cost?

Straightforward, fee-free advice.

You don't pay us anything. We're paid by the lender when your mortgage settles — so our incentives are aligned with yours.

First Home Purchase

$0

We get paid by the bank

Includes

Assessment of your situation and goals
KiwiSaver & First Home Loan guidance
Property selection advice
Application to multiple banks
Pre-approval for purchase
Help during conditional & unconditional stages
Hand-holding through to settlement

Investment Property

$0

We get paid by the bank

Includes

Assessment of your situation and goals
Cashflow & yield analysis
Debt structuring advice
Application to multiple banks
Pre-approval for purchase
Help during conditional & unconditional stages
Settlement support

Refinance

$0

We get paid by the bank

Includes

Review of your existing mortgage
Finding the best bank for your situation
Application to your chosen lender
Negotiating the best interest rate
Maximising any cashback or bonuses
Choosing the optimal loan term

Refix & Restructure

$0

We get paid by the bank

Includes

Full review of your loan structure
Fixed vs floating recommendation
Splitting loans across terms
Proactive contact before rates expire
Negotiating with your bank
No-stress ongoing management
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Why Choose Base?

Advice that puts
you first.

We take the time to understand your goals and find the right solution, not just the next loan.

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We compare multiple banks

Different lenders suit different situations. We'll compare 20+ lenders to find the right fit for you.

Honest, straightforward advice

We'll tell you if staying put is the best option. Our advice is always in your best interest.

Expert guidance, every step

From start to settlement and beyond, we make the process simple and stress-free.

No cost to you

The bank pays us, not you. You get expert advice without the extra cost.

5.0 stars · 44 Google reviews

Don't just take our word for it

Real clients. Real results. See what New Zealanders are saying.

Atene Andrews
Atene Andrews
“

Proactive, insightful and genuinely committed to making our property goals a reality. Always responsive and presenting alternatives we had not previously considered.

Property Investor
Riaz Unwala
Riaz Unwala
“

Awesome service, great knowledge and extremely friendly.

Property Investor
Kelly Smith
Kelly Smith
“

Karl got us pre-approval fast, a great interest rate and better cashback. The process was easy and stress free. Very happy customers!

First Home Buyer
Vinay Panicker
Vinay Panicker
“

Karl guided me in the right direction even when there was no financial benefit for him. Integrity, transparency, and genuine commitment to his clients.

Refinancing
Timothy Mccallum
Timothy Mccallum
“

Easy to deal with, makes the process quick and trouble free. Would recommend to everyone — already have with our friends.

Refinancing
Read all 44 reviews on Google

FAQs

Have a question?

Here are the answers to the things our clients ask us most. Need more detail? Get in touch.

How much you can borrow depends on your income, expenses, deposit, and the banks’ lending criteria. We assess your full situation and give you a realistic borrowing range so you can search for property with confidence, not guesswork.

Free, no-obligation

Ready to review your mortgage options?

Book a free Discovery Call and let's talk about your mortgage goals. It only takes 20 minutes and could save you thousands.

Book a Free Discovery CallGet in Touch

No cost. No obligation.

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