Mortgage advice for your next move.

Talk to a local mortgage adviser about what you’re planning. We’ll help you understand your home loan options and what to do next.

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Your local money experts for mortgage advice

Whether you’re buying your first home, investing in property, building new or reviewing your current home loan, it helps to have an expert in your corner. Our experienced mortgage advisers will help you understand your options and guide you through every step.

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First home
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Investment property
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Refinancing & refixing
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New build

Mortgage calculator

Loan amount

$750,000

Edit

$50,000

$3,000,000

Term

30 years

Edit

1 year

30 years

Interest rate

5%

Edit

1.0%

20.0%

Payment frequency

Estimated repayments

$1,858

/ fortnightly

Loan structure

Total to repay:$1,449,418.38

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Experienced advisers

Our team of qualified mortgage advisers have seen it all. With years of mortgage experience to draw on, you can count on them to open the right doors at the right time.

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Home loans made easier with MTF Finance

Our mortgage advisers can offer the personal care and attention you’ve come to expect from us. 

  • We’ll do the hard yards to get the best rate — we’ll compare lenders in the market so you don’t have to. 
  • We’ll help you structure the mortgage to fit your needs — so your repayment plan works for your unique situation and lifestyle. 
  • We’re with you every step of the way — our legendary customer service means we’ll help you with every stage of your application.

Our mortgage advice disclosures

It’s important to know who you’re working with and what to expect from our mortgage advisers. Read our disclosure information, including how we provide advice, the lenders we work with, any fees or commissions, and how to raise a concern.

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Ready to go?

FAQ Mobile

Frequently asked questions

A mortgage adviser can help you understand your borrowing position, compare suitable home loan options and manage the application process with the lender. They can also explain the details in plain language and help you make informed decisions throughout the process.

Mortgage advisers are often paid a commission by the lender when a home loan is arranged, which means you may not need to pay for their advice directly. However, fees can apply in some circumstances. Your adviser will explain any fees, commissions and other important information before providing advice.

The terms are often used interchangeably, but “mortgage adviser” is the more accurate term in New Zealand. A mortgage adviser is a qualified financial adviser who can assess your circumstances, compare home loan options from the lenders they work with and recommend an option suited to your needs.

Yes. A mortgage adviser can review your current home loan and help you explore refinancing, refixing or restructuring options. They’ll consider your circumstances, goals and the lenders they work with before recommending whether making a change could be right for you.

A 20% deposit is commonly recommended when buying a house in New Zealand, but you may be able to get a home loan with a smaller deposit depending on your circumstances and the lender’s criteria. A mortgage adviser can explain the options available and help you understand the other costs you may need to plan for.

A home loan repayment calculator can estimate how much your regular repayments may be based on the loan amount, interest rate and loan term you enter. It’s a useful starting point for comparing different scenarios, although your actual repayments will depend on the home loan and interest rate you secure.