Buying a home is the biggest financial decision most New Zealanders make. We simplify the process by connecting you with a licensed mortgage adviser who works on your behalf — not the bank's.
Our service is completely free for you. We connect you with a licensed adviser from our network. We may receive a referral fee from the adviser or lender — this does not affect your loan terms.
The licensed advisers in our network compare home loan products from all major banks and specialist non-bank lenders across New Zealand — giving you a wider range of options than going to a single bank.
Every adviser in our network is a licensed Financial Advice Provider (FAP) regulated under New Zealand law. You receive professional, personalised guidance from qualified experts.
Getting matched with a licensed mortgage adviser is simple. Here's how the process works in four easy steps.
Fill in our short form or give us a call. Tell us about your property goals, budget, and timeline.
Based on your needs, we connect you with a licensed mortgage adviser from our trusted network.
Your matched adviser reaches out to discuss your situation and explain your options — no obligation.
Your licensed adviser compares lenders, explains your options, and guides you through the mortgage process.
Use our free mortgage calculator to get an estimate of what your repayments could look like across different scenarios. These are indicative figures only — your matched adviser can provide accurate, personalised calculations.
Supports weekly, fortnightly, and monthly repayment frequencies. See how adjusting your deposit, interest rate, or loan term impacts your estimated total interest.
We've helped connect hundreds of Kiwi families with licensed mortgage advisers. Here's what some of them had to say about the experience.
"Kiwi Money Coach connected us with an amazing adviser who made buying our first home so much less stressful. The adviser found us a rate we didn't think was possible."
"I was nervous about refinancing, but the adviser I was matched with made it easy. They found a better structure that could save us significantly over the next few years."
"As new migrants to NZ, we had no idea how the mortgage system worked. The licensed adviser Kiwi Money Coach connected us with explained everything clearly."
Insights
Market updates, guides, and tips to help you make confident mortgage decisions in New Zealand.
Confidence is back, listings are up, and the OCR is the story everyone's watching. Here's an honest read on where the NZ property market sits in April 2026 — and what it means if you're buying, selling, or refixing soon.
Auckland is finally warming up again. Here's what's happening with prices, listings, and buyer demand across the city in April 2026 — plus the suburbs punching above their weight.
Every OCR decision has the power to move mortgage rates — and your repayments. Here are the Reserve Bank's 2026 review dates and how to plan your fixed-rate strategy around them.
Got questions about our free adviser matching service? Here are answers to the most common questions we receive.
Fill out the form below and a licensed mortgage adviser from our network will be in touch within 24 hours.
Disclosure: Kiwi Money Coach is not a Financial Advice Provider (FAP). We are a free matching service that connects you with licensed mortgage advisers. All advice is provided by independent, regulated professionals. We may receive referral fees.
