Opportunity knocks

Join

Learn

About

Browse

Terms

Comparing lenders and managing your mortgage application

Looking for an edge to your offer? A Loan Market adviser can compare over 20 lenders to find the right loan for you.


A Loan Market adviser can compare over 20 lenders to find the right loan for you. Whether you’re looking to make the most of your borrowing capacity, find a lender that understands your unique situation or want pre-approval to help you bid with confidence, an adviser can be your competitive edge.

  • Home of the highest-rated advisers
  • More than 150 advisers New Zealand-wide
  • Family-owned business, helping Kiwis and Aussies since 1994
What does a mortgage adviser do?

There are many lenders offering hundreds of loan products - that’s why more than five out of ten Kiwis choose to work with an adviser to find their home loan. A Loan Market adviser compares a panel of lenders to present a shortlist of products that suit your needs. Whether you need guidance buying your first home, want a more competitive rate on your existing loan, are looking to grow your investment portfolio or anything in between, an adviser is by your side. And on top of that, many services offered by an adviser are free to you. They get paid by the lender you choose.

Be by your side, always
They are here for your today, tomorrow and future goals. They will help you with a range of financial needs, from home loans to business loans.

Work in your best interests
They will research the market to find the right loan for you, negotiate a competitive deal on your behalf, and only recommend products and services that are suited to your needs.

Save you time and hassle
They will do the legwork for your application and meet on your terms, online, offline, anytime.


Ready to get started?

CLICK TO START YOUR JOURNEY

What is the process when working with an adviser?

When you meet with your Loan Market adviser, they will take time to understand your circumstances and goals. They will then calculate your borrowing power and let you know if you are eligible for any schemes or grants. Then they will show you which products are suited to your needs and take charge of application through to settlement.

It will look a little like this:

Discovery
You answer some questions online about your circumstances and goals.

Meeting
Your adviser will talk through your needs, calculate your borrowing power and discuss your options.

Game plan
After further in-depth research, your adviser will present you with your personalised Game Plan, providing tailored solutions and recommendations to meet your goals.

Application
Your adviser negotiates with your lender of choice and prepares your paperwork. Once you have signed, your adviser will do the legwork to get it approved.

Approval
This is your big moment. Getting your loan approved. Once the lender gives the nod, your adviser arranges the paperwork for you to sign.

Settlement
There is a lot that happens on settlement day, and your adviser works closely with your lender to ensure it runs as smoothly as possible.

Today, tomorrow and beyond
Your adviser is by your side for life. From checking in to make sure your loan continues to be competitive to helping you find the right car loan.

Find an adviser near you

CLICK TO START YOUR JOURNEY

Handy calculators

Get a better understanding of your financial standing and plan for your next step with these calculators. Keep in mind these are intended as a guide only - an adviser can provide more detailed insight and help.

The Ray White and Loan Market story

Loan Market launched in 1994 by Brian and Sam White, originally known as Ray White Financial Services. Brian and Sam wanted to be able to help buyers secure the finance they needed to purchase their dream home, though mortgage broking was not a common service. Still family-run and owned, today there are over 150 Loan Market advisers located around New Zealand, with a panel of over 20 lenders - the largest in New Zealand.

GET IN TOUCH

Need help with your loan?

Your Name

Please enter your full name.

I agree

Disclaimer: The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention is taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.

*Your adviser may charge a fee to cover additional time required by their team. Any fees will be discussed with you in advance so you can make an informed decision before proceeding with your application.

Company Number: 4313118 | NZ Financial Services Group Limited (FSP286965)

Back to top