Get a mortgage that actually fits you.
Free, licensed NZ mortgage advice. First home, refix, or refinance — we compare across the panel and find what works. No client fee.
Where are you in your home loan journey?
Pick the path that fits — we’ll take it from there.
Buying your first home
Deposit, pre-approval, KiwiSaver, the lot. We’ll walk you through what you can actually borrow — no surprises.
Refix or refinance
Fixed rate rolling off? We compare across the panel, run the numbers on any break costs, and tell you honestly whether to move or stay.
Why Essential Mortgages
Licensed Financial Advice Provider. Honest advice. No client fee.
Wide lender panel
All the main NZ banks plus non-bank lenders for more complex situations.
Free advice
No fee to you — we’re paid by the lender when your loan settles. Full disclosure on our site.
Licensed FAP
Financial Advice Provider under the FMA. Regulated, insured, transparent.
Fast, honest process
Straight answers, quick turnarounds, no hard sell. Book a chat and see.
How it works
Three steps from first chat to keys in your hand.
Book a free chat
30 minutes on phone, video, or in the office. Zero commitment.
We compare your options
We take your numbers to the lender panel and pull together the best real options.
You choose. We handle the rest.
Application, back-and-forth with the lender, settlement — we drive it. You approve.
What clients say
Real reviews from real NZ homeowners.
“Real reviews available at our Google Business Profile”
“Real reviews available at our Google Business Profile”
“Real reviews available at our Google Business Profile”