Buying, refixing or investing in property? We're based right here on Okara Drive, not in a call centre somewhere else. We sit in the middle between you and the banks, comparing lenders, doing the legwork, and translating the bank jargon into plain English.
Who we help
- First home buyers across Whangārei and wider Northland: deposits, pre-approvals, KiwiSaver withdrawals, First Home Loans.
- Refinancing and restructuring: if your fixed rate's coming up or your structure hasn't been reviewed 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.
- Building or renovating locally. We know how banks assess Whangārei and Northland builds.
Your local team
Anthony Gysberts, Sandeep Maisuriya, Jesse Silulu and Sam Mather work out of our Whangārei office and cover everything from first-home lending to investment restructuring. View the full Whangārei team →
How it works
- 1
Free chat. At our Okara Drive office, your place, or a cafe.
- 2
We do the legwork. We package your application and take it to the lenders that suit you.
- 3
You choose. Options laid out side by side, no jargon, no pressure.
- 4
We stick around. Rate reviews, top-ups, next purchases.
What Whangārei clients say
"Just amazing great help from the team especially Rebecca and Ants, with great knowledge, advice and understanding of the current market, very friendly and family orientated, highly recommend."
Doug Dunn ★★★★★
"We could not recommend Sandeep, Amy and the Zest team any higher!"
PP Youth ★★★★★
What does it cost?
Nine times out of ten, nothing. The lender pays us, not you. If a fee ever applies to your situation, you'll hear it from us up front, before any work starts.
FAQ
Do I have to be based in Whangārei to use Zest?
No, anyone in NZ can, but we do have a physical office here if you'd rather meet in person.
How much can I borrow?
Depends on income, debts and the lender. A free chat gives you a real number, not a guess.
Do you deal with all the banks?
Yes, we compare across a wide range of NZ lenders, not just one.
Is the advice really free?
In almost every case, yes. See "What does it cost?" above.