Buying a home is exciting. Dealing with banks is not. We sit in the middle, on your side. We compare lending options across a wide range of NZ lenders, handle the paperwork and the phone calls, and translate the bank jargon into plain English.
What we help with
- First home buyers: Deposits, pre-approvals, KiwiSaver withdrawals, First Home Loans. We'll tell you honestly where you stand and what to do next.
- Refinancing and restructuring: If your fixed rate is coming up or your loan structure hasn't been looked at in years, there may be real money on the table.
- Investment property: Lending structures that fit your goals, whether it's your first rental or your fifth.
- Paying debt down faster: Smart structuring can shave years off your mortgage. We'll show you how.
- Construction and renovation lending: Building or doing up? We know how the banks look at these deals and how to present yours well.
How it works
- 1
Free chat. We meet you at our office, your place, or a cafe. We listen first.
- 2
We do the legwork. We package up your application and take it to the lenders that suit your situation.
- 3
You choose. We lay out your options side by side in plain English. No pressure, no jargon.
- 4
We stick around. Rate reviews, top-ups, next purchases. We're here for the long haul.
What does it cost?
Nine times out of ten, nothing. The lender pays us, not you. If your situation is one where a fee applies, you'll hear it from us up front, before any work starts.
What would it cost you?
Drag the sliders or type in your numbers to see what repayments could look like, before you talk to anyone. Estimates only. Your Zest adviser will sharpen the real numbers with you.
Principal & interest. Total interest over 30 years: $0
Add an extra repayment to see how much interest and time you could save.
These figures are approximate and for illustration only. They're based on the numbers you enter, assume the interest rate stays the same for the whole term, and don't include fees or other charges. Many lenders limit extra repayments on fixed-rate loans, and break fees may apply. This isn't a loan offer or financial advice. Talk to a Zest adviser for figures based on your situation.