We match you with the perfect mortgage — no jargon, no judgment, zero cost to you. The lender pays us.
Four principles that make us different from every other mortgage broker in New Zealand.
We translate mortgage-speak into plain English. Always.
Bad credit, self-employed, first timer? We've seen it all.
Our algorithm matches you to the lender most likely to say yes.
Zero fees. The lender pays our commission — not you.
Tell us where you're at, your income, debts. It's a chat, not a form.
We compare 30+ lenders in real-time and surface your best options.
Your adviser submits, chases, and settles — you just wait for the keys.
Three calculators, zero jargon. See what you can borrow, what you'll pay, and how your KiwiSaver helps.
* Based on ~5.5x disposable income. Actual lending depends on credit history, liabilities, and lender criteria. Guide only.
Estimated borrowing power
plus your $80k deposit
Total property budget
$575k
Net disposable / year
$90k
Debt service ratio
25%
Comfortable
Rates are falling. Now is a great time to get pre-approved.
1-year Fixed Rate Trend
5.99%
↓ 1.21% from Jul 2024Median House Prices by City
NZ Property Market
Current NZ Mortgage Rates
Rate Comparison by Term
6m
6.89%
Fixed
1yr
6.15%
Fixed
18m
5.99%
Fixed
2yr
5.89%
Fixed
Best value3yr
5.95%
Fixed
5yr
6.15%
Fixed
* Rates are indicative averages from major NZ banks. Individual rates vary based on LVR, income, and credit profile. Source: Reserve Bank of NZ.
“I was terrified of the whole process — student loan, first job. Approve Me matched me with a lender who said yes when every bank said no. Moved in 3 months ago!”
“The calculator blew our minds — we had no idea we could borrow that much. The wizard took 4 minutes and our adviser called us same afternoon. Insanely good service.”
“Self-employed for 3 years — banks kept asking for 2 years of accounts. Approve Me found a lender that was actually fine with it. Settled last month. 10/10.”
“I did the quiz at midnight on my phone. Had a match by 9am next morning and pre-approval in a week. Bought my first place at 26. Still can't believe it.”
“Moved from overseas and thought we'd need to rent for years to build NZ credit. Approve Me found us a path in 6 weeks. Genuinely changed our lives.”
“Three banks declined us. Approve Me's adviser actually explained WHY and fixed our application. Fourth lender approved us. Free service, priceless outcome.”