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Smarter Home Loans, Better Mortgages Solutions and
Personal Insurance
you can Trust

We connect you with experts who will guide you through the process.

Our Services

For Solutions on Home Loans, Mortgages and Personal Insurance & Business Insurance – Contact us Today.

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Home Loans

Find competitive home loan deals through our network of experienced mortgage advisers.

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Review Mortgage

Do you already have a mortgage? Our referred mortgage advisers can review your options for refixing, refinancing or restructuring.

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Personal Insurance

Be it medical, life, or income insurance, the adviser we connect you with will research the best options for your situation.

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Business Insurance

No matter your industry, the advisers we refer you to can help you find the right business insurance cover.

OUR TRUSTED NETWORK OF PROVIDERS.

 

Bespoke Advice

The experienced advisers we connect you with will meet with you to understand your goals and offer tailored solutions.

Maximum Savings

We use the latest technology to match you with advisers who find the best solutions for your situation.

Hassle Free Process

Our excellent customer service stems from a deep commitment to making each & every step of the mortgage journey easy for you.

Smarter Solutions In
Mortgage & Insurance
Advisory

EMI - Essential Mortgages & Insurance connects New Zealanders with trusted financial advisers and mortgage brokers, covering personal insurance, business insurance, home loans and mortgages – both commercial and residential.

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Access to Mortgage Broker Services

Whether you're building, buying your new home, or adding to your portfolio, we connect you with experienced mortgage brokers who have access to a wide range of banks and non-bank lenders. The adviser you are referred to will provide their own disclosure statement.

JOIN OUR MORTGAGE FREEDOM ACADEMY

Discover the Faster way to become mortgage-free sooner. Get instant access to 7 Modules and 18 Practical Lessons designed to help New Zealand Homeowners save thousands in interest and own their home faster.

Get EMI FIRST HOME BUYER Guide FREE

Our Blogs

Pros and Cons of a Guarantor Home Loan

Purchasing a home is an important life milestone, but getting a loan can occasionally be difficult, particularly if you don't...

What Does A Mortgage Broker Do?

For anyone considering buying a home, navigating the complicated world of mortgages can be a difficult undertaking. A mortgage broker...

Budgeting Your First Home in NZ

Understanding the New Zealand housing market Understanding the ins and outs of the New Zealand housing market is crucial before...

Investing in Residential Mortgages in NZ

If you want to diversify your portfolio beyond typical equities and bonds, investing in home mortgages in New Zealand offers...

Mortgage Refinancing Should You Do It Now?

Homeowners frequently have to decide whether to refinance their mortgage due to changes in interest rates and the real estate...

How to pick the best mortgage broker online

Locating the ideal mortgage broker online has become a straightforward yet challenging undertaking in the digital age. A good broker...