New Zealand Mortgage Brokers Clear, Personalised Mortgage Advice
For Every Stage Of Your Property Journey.
Compare lenders, check better rates, and get straight answers about your options.
EXPERIENCE
Trusted by clients across leading NZ lenders
NZ Home Loan
Services.
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Know your numbers.
Run your mortgage scenarios in seconds. Free, no sign-up.
Repayment Calculator
See your weekly, fortnightly, or monthly repayments.
Borrowing Power
Discover exactly how much the banks will lend you today.
Refinance Calculator
Compare your structures to find immediate cashflow relief.
Extra Repayment
Visualize how extra payments aggressively reduce your loan term.
Hi, I'm Mukhtar Kiyani.
As the Founder and Principal Adviser at Finch Mortgages, I bring over 15 years of financial experience to the table. I started this company with one simple goal: to make expert, transparent mortgage advice accessible to every Kiwi.
Whether you are a first home buyer or a seasoned investor, my focus is on understanding your unique situation and finding the right structure to help you get ahead faster.
Read My Full Story →
Compare NZ's lowest home loan rates.
Why check 5 different bank websites? We aggregate the latest advertised interest rates from New Zealand's top-tier banks weekly.
- Live Fixed & Floating Rates
- ANZ, BNZ, Kiwibank
- Unadvertised Broker Discounts Available
1-Year Fixed Benchmark
Updated weeklyGetting an NZ mortgage
made simple.
Free Consultation
Tell us about your situation — income, deposit, goals. No obligation, no cost. We'll figure out what's possible and map out a strategy.
We Compare Lenders
Finch searches 20+ banks and non-bank lenders simultaneously, finding the lowest rate and best structure for your specific situation.
Fast Pre-Approval
Once your documents are in, we typically deliver a conditional pre-approval quickly and efficiently.
Settlement & Support
We handle lender negotiations, paperwork, and solicitor coordination. You focus on finding your perfect home. We do the rest.
First Home Buyers
Unlock the property ladder. Learn how to leverage your KiwiSaver, access First Home Grants, and navigate the deposit requirements for your first property.
Read the GuideA clear path to your first home.
The process is less complicated than most people think. We cut through the jargon, match you to the right lender, and get you approved faster.
- KiwiSaver Withdrawal Assistance
- Low Deposit Solutions (5% - 10%)
- Kainga Ora First Home Grants
Trusted by 500+ Kiwi Families for Home Finance.
"From the very beginning, Mukhtar’s support, guidance, and honesty truly stood out. What impressed us most was his genuine approach, even though we already had approval through him and could have moved forward, he advised us to stay where we are because it made more sense for our situation. That level of honesty is rare and shows he truly cares about his clients."
"I had an excellent experience working with Mukhtar Khayani for my home loan. From start to finish, his professionalism, knowledge, and attention to detail were outstanding. He made what can often be a stressful process feel smooth and straightforward, always taking the time to explain each step clearly and ensure I was comfortable with every decision."
"I’ve worked with Mukhtar for years, from home loans to recently helping me secure the right insurance at a much better cost. His advice, structure, and communication are always spot on—I trust him completely."
"If you want a mortgage broker who is professional, efficient, knowledgeable and works keeping your best interest in mind then I would highly recommend Mukhtar. He not only provided a tailor made solution for my specific situation but also got me the best deal in terms of interest rates and cash back. Keep up the great work!"
"We can’t thank Mukhtar enough for the incredible effort and dedication he showed throughout our home loan journey. What initially felt like an impossible situation quickly turned into a success story, thanks to his expertise, persistence, and genuine commitment to helping us."
"Mukhtar has simply been amazing to deal with, the fastest most knowledgeable advice I was given in my enquiries and really helped along the way! Thank you so so much!"
Independent NZ Mortgage Brokers.
Finch is an independent NZ mortgage broker. We compare 20+ lenders to find the right rate for your situation. Book a free consultation or drop by our office.
Book a free consultation
No obligation, no cost. We look at your situation and give you honest options.
Contact Us Check Your EligibilityReal people. Real results.
9% Deposit Approval
A couple rejected by major NZ banks secured their first home using a specialist lender we sourced — in just 72 hours.
Read Case StudyEscaping a High Flat Rate
A Wellington family stuck on a 7.9% revert rate was switched to a competitive fix — saving $408/month and 6 years.
Read Case StudyBuilding a Portfolio
By leveraging existing home equity, we helped an Auckland couple build a 3-property portfolio in just 18 months.
Read Case StudyLatest from
the Finch blog.
See All Articles →
NZ Deposit Requirements (2025)
How much deposit do you really need? We break down the 5%, 10%, and 20% thresholds.
How Much Can I Borrow?
Banks assess capacity differently. Learn how lenders calculate your maximum loan limits.
Mortgage Interest Rates Guide
Fixed vs floating, 1-year vs 2-year — which rate type wins? Our comprehensive guide.
Everything you need to know about
getting a mortgage with us.
A Mortgage Adviser is a financial specialists who works with you to comprehend your borrowing goals and assess your loan eligibility. Unlike direct lenders, advisers offer a more personalised service and have access to a wide array of loans from various lenders. This allows them to find the most favourable interest rates and loan terms tailored to your individual needs.
There are no extra loan repayments or fees when you take out a loan through a broker. A broker is simply paid commission by the lender for introducing new business, but this doesn’t affect your interest rate or other aspects of the loan agreement.
Using an Adviser typically incurs no cost to you, as they are compensated by the lender. With access to a vast array of loan products from numerous lenders, brokers are adept at finding the ideal loan tailored to your circumstances. This often means securing a combination of the lowest available rate at the time and product features that best suit your needs. It’s important to note that some brokers may charge service fees, but these must be disclosed upfront before any services are provided.
Thanks to our connection with a mortgage aggregator, we have the advantage of sourcing loan options from over 20 different lenders. This extensive network allows us to find multiple suitable options tailored to your specific situation, ensuring a broader range of choices to meet your financial needs.
As the name suggests, variable-rate home loans feature interest rates that fluctuate over time. These loans often offer greater flexibility than other types, with options like redraw facilities and the ability to make extra payments. However, they do not provide fixed repayment amounts. In contrast, fixed-rate home loans offer predictable monthly repayments, allowing you to know exactly how much you’ll need to pay each month for the entire loan term.
While they may not provide the same level of flexibility in features, they offer peace of mind for borrowers who value certainty in their budgeting. When deciding which type of loan suits you best, it’s important to consider what matters more to you—flexibility or the assurance of consistent monthly repayments.