Insurance · Mortgages · KiwiSaver

Straight Talking.

In plain English

We take the 'eek' out of Mortgages, Insurance and KiwiSaver. Straight up advice you can actually trust.

No jargon, no bill shock, no fancy suits. Just friendly people in Whangarei and Taupo who genuinely want a great outcome for you.

FreeAdvice & quotes
5.0 ★Client reviews
NZ WideWhangarei & Taupo offices
Our services

Mortgages.Insurance.KiwiSaver.Investments.

Why Zest

Straight up advice
you can trust.

01
We listen. Carefully.
We dig into the nuts and bolts of your situation before recommending anything. No cookie-cutter solutions.
02
Free advice, transparent fees
No bill shock here. Nine times out of ten, you pay us nothing. The provider you go with pays us instead. If a fee ever applies, you'll hear it from us first.
03
We come to you
Home, office or café, we meet on your terms. No stuffy boardrooms, no awkward waiting rooms.
04
We do all the legwork
We talk to a range of banks and insurers on your behalf, then lay out your options clearly. You choose.
05
Plain English. Always.
We're not into financial gibberish. If you don't understand it, we haven't done our job properly.
06
Trusted relationships
Many of our clients have been with us for years. We look after your needs as they change over time.
Trusted providers

We compare across leading NZ brands.

We do the legwork and talk to a wide range of insurance and lending providers on your behalf, so you can compare options in one place and choose what fits best.

Accuro AIA AMP ANZ Asteron ASB Avanti BNZ Chubb Co-operative Bank Fidelity Life Generate Kiwibank nib NZ Funds Partners Life PPS Mutual Resolution Life Rothbury SBS Bank Southern Cross Westpac Pepper Money Prospa Bizcap Gem by Latitude Basecorp Finance Simplify Accuro AIA AMP ANZ Asteron ASB Avanti BNZ Chubb Co-operative Bank Fidelity Life Generate Kiwibank nib NZ Funds Partners Life PPS Mutual Resolution Life Rothbury SBS Bank Southern Cross Westpac Pepper Money Prospa Bizcap Gem by Latitude Basecorp Finance Simplify
Know your numbers

What would it cost you?

Drag the sliders and see what repayments could look like, before you talk to anyone. Estimates only — your Zest adviser will sharpen the real numbers with you.

$600,000
5.50% p.a.
30 years
$0 /week

Principal & interest — total interest over 30 years: $0

Get my real numbers →

Ready? Let's sort you out.

Flick us your details below — a local adviser will follow up personally, usually within a day.

Confidential - used only to connect you with a qualified adviser.

Client reviews

Don't just take
our word for it.

★★★★★
We had an amazing experience with Zest Brokers, thanks to Sandeep's support. As first-time home buyers we had many questions and concerns, but Sandeep guided us through every step with patience and expertise.
dharminder tooraWhangārei office
★★★★★
When my life literally became a car crash recently, I leaned on Sandeep and Amy heavily! They worked tirelessly, jumped through every hoop and then some, to get my loan approved in seriously quick time. Everything hinged on us getting this loan, and Sandeep and Amy made us feel like we were their number one priority, keeping us updated regularly. Absolute professionals — I cannot recommend this …
Amelia BrooklandWhangārei office
★★★★★
Zest Brokers was hands down the best decision we made for buying our first home. Tui was there with us every step of the way and made our dream a reality. The team there are super friendly and helpful in so many different ways. We hope to be back there in the future.
Nathaniel MadsenTaupō office
★★★★★
We were recommended to Zest and were not disappointed! We dealt with Rebecca, who helped us tailor our personal insurance to be realistic and best suit our budget and stage of life. We never felt pushed to do more than we felt comfortable with. Sam also helped us with our mortgage — his advice was sound and definitely with our best interests at heart.
Abi FrameWhangārei office
★★★★★
We could not rate Tui and Zest any higher — the support, knowledge and guidance throughout the lending process was outstanding, and quite frankly I don't believe we would have been able to achieve the result we have without Tui's knowledge and expertise. Every step of the process was met with ease and a clear understanding. With Tui's help and willingness to go the extra mile we have been able to …
Haidee FentonTaupō office
★★★★★
Clarity, approachable and prompt is what comes to mind when I reflect on my time working with Jesse. I would highly recommend him, especially for first home buyers.
Lolomani KWhangārei office
★★★★★
After having some disappointing experiences with other mortgage brokers, we were very pleasantly surprised with our experience with Zest. Rebecca made sure we had all the necessary information, came back to us multiple times to ensure the policy changes and options suited us exactly where we are in our life stage. She even came across mistakes that other broker companies had made that were …
B & K SmithWhangārei office
★★★★★
Sandeep and Amy were lovely to deal with throughout our time looking for a house to purchase. Always happy to give advice and quick to respond with any issues or questions we had for them. Highly recommend. Thank you so much for helping me and my family into our first home.
Kereama LittinWhangārei office
★★★★★
Kayla and Hope made understanding my KiwiSaver and switching to a better provider so easy. They explained everything in simple terms and were super friendly through the whole process. Honestly made something I'd been putting off feel effortless!
Alexa RobinsonTaupō office
★★★★★
We can't thank Sandeep and the team enough for helping us with our next step up the property ladder. Sandeep has been incredibly supportive, knowledgeable and patient, guiding us through every step of what can be a pretty overwhelming process. No question was too small, and whenever we hit a hurdle, he was right there helping us navigate it with confidence. We were finally able to upgrade our …
Regan MoyesWhangārei office
★★★★★
After a bad experience with a local broker, we were recommended Zest Brokers. Becks called me and really put my mind at ease from the get-go. We were anxious first-home buyers and Becks was in our corner every step of the way — even calling to give me a pep talk on my way to put our first offer on a house! She secured an amazing deal for us in a difficult time with banks and interest rates — we …
rosie rocketWhangārei office
★★★★★
Let's face it, financial matters are usually not sexy, often accompanied with a little apprehension, and maybe a little guilt, shame or regret thrown in for good measure. Plus, the awareness that to achieve your goals you're going to have to trust someone to get the advice you need. It's a leap of faith. Which is how I found myself heading up the stairs at 11 Tongariro Street, Taupō. Over the …
Ann EverettTaupō office
★★★★★
Sandeep & Jesse made the process of getting a mortgage so easy and reduced so much stress for me! They were very knowledgeable about the whole process and were able to give me great advice — wouldn't recommend them enough.
Nikki SmithWhangārei office
★★★★★
Great experience with Morag navigating our first mortgage in NZ. Great all round service, highly recommended 5 stars.
Jenni GarrattTaupō office
★★★★★
Sandeep and Amy were extremely helpful, had very fast, friendly and efficient communication, were very knowledgeable and all around a pleasure to deal with. They made the whole house buying process as stress free and easy as it could be. Highly recommend!
Madeleine GillinghamWhangārei office
★★★★★
We have been so grateful for the support and advice of our broker, Rebecca. She goes above and beyond to ensure we have the correct cover for our needs and has supported us through the claims process. She is a genuine, thoughtful and absolutely wonderful person to work with, and we feel so lucky to have her managing our cover.
Emma MichelsenWhangārei office
★★★★★
Have been using Zest since 2018 — they have always been super helpful and a pleasure to deal with, whether it's our insurances or our mortgage. Sandeep has just helped us with re-financing our mortgage with a different bank, and the whole process was super easy. He answered any questions we had and managed to get a great deal that is perfect for us. Would highly recommend.
Angela SharpeWhangārei office
★★★★★
Sandeep and Amy were amazing throughout the whole process. We honestly couldn't have done it without them. Can't recommend enough.
Georgia WoolfWhangārei office
★★★★★
Tui is fantastic, she makes things happen — you ask and she works hard to deliver a positive outcome. Tui's communication is top notch, as well as her ability to find a solution for anyone who engages her service. This is already our second time asking for her services. Very happy clients.
Zac NaylorTaupō office
★★★★★
Great time. I always felt supported and well-informed. Couldn't have asked for a better team to help me achieve this milestone!
nitin aswalWhangārei office
Whangarei Reviews → Taupo Reviews →
Find us

Two offices.
NZ-wide advice.

Northland
Whangarei
79 Okara Drive, Whangarei
PO Box 480, Whangarei 0140
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Local guides Mortgage Advice Whangārei Mortgage Advice Taupō Insurance Advice Whangārei Insurance Advice Taupō KiwiSaver Advice Whangārei KiwiSaver Advice Taupō First Home Buyer Advice Specialist Lending Advice