Mortgage Broker NZ

Make sense of your mortgage.

Free NZ mortgage calculators, plain-English guides, and access to an experienced mortgage adviser — all in one place.

No jargon. No obligation. Just practical help to understand your options.

How much could I borrow?Talk to an adviser
Free — no credit checkNZ-specific calculationsWānaka-based adviser, clients nationwide

Free mortgage calculators

Indicative estimates — not financial advice or a loan offer.

How much could I borrow?

Enter your income and expenses to get an indicative borrowing range and property budget.

Borrowing power calculator →

Calculate my repayments

See weekly, fortnightly, and monthly repayments — and compare the effect of different interest rates.

Repayment calculator →

What are you trying to do?

Find the right guidance for your situation.

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Buy my first home

KiwiSaver, deposit, pre-approval and what to expect

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Refinance or restructure

Could you get a better deal? When it's worth switching

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Investment property

LVR rules, rental income assessment, portfolio lending

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Build a home

Construction loans, progress payments, what lenders need

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Self-employed

How income is assessed, documentation, lender variation

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Bank declined me

One lender isn't all lenders — what your options are

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Reduce my mortgage faster

Extra repayments, lump sums and offset strategies

Mortgage guides

Plain-English answers to common NZ mortgage questions.

View all guides →
Working with a broker

Mortgage broker NZ: the straight-talking guide

Working with a broker

Mortgage broker vs bank: what's the real difference?

Working with a broker

Is a mortgage broker worth it in NZ?

Deposit & equity

How much deposit do I need to buy a home?

First home buyers

First home buyer mortgage broker NZ

Self-employed

Self-employed mortgage: what lenders look for

Costs & fees

How mortgage brokers get paid in NZ

Mortgage basics

Common NZ mortgage questions answered

What Jeremy's clients say

Buying a home or restructuring a mortgage can feel complicated. Jeremy's clients consistently mention clear communication, practical guidance and making the process easier.

“Highly recommend Jeremy. He made things simple, easy and life changing!”
Noel Burke-GaffneyGoogle review
“Jeremy's communication and efficiency was amazing. He was so helpful and good at prompting banks, lawyers and ourselves to get things sorted quickly. Thanks Jeremy, we love our new home ❤️”
Avi RobertsGoogle review
“Jeremy was great to work with. Pushed hard for me and got a great outcome! Would highly recommend to others!”
Nathan GreenGoogle review

Clear advice. Fast communication. Support from the first conversation through to settlement.

Check my borrowing power

No credit check. Indicative estimate only.

See more Google reviews →

Talk to Jeremy

Calculators only take you so far.

Every lending situation has details that a calculator can't account for — your employment type, credit history, the lender's current appetite, and how your application is structured.

Jeremy Zinzan is a Financial Adviser who works with borrowers across New Zealand. He provides advice through Vega Mortgages Limited and is happy to sense-check your situation, no obligation.

Get my borrowing checkedCall 021 749 701

Jeremy Zinzan (FSP1007062) is a Financial Adviser providing financial advice through Vega Mortgages Limited (FSP653431), authorised under the FAP licence held by Vega Group Holdings Limited (FSP773794).

Jeremy Zinzan, Financial Adviser

Jeremy Zinzan

Financial Adviser

Vega Mortgages Limited · FSP653431

Law & Finance, University of Otago

About Jeremy →