About
We publish what lenders charge. We don't lend, and no lender owns us.
New Zealand has plenty of places to look up a rate. This one is built around the question underneath it: is the number you have been given the same number somebody else got?
Why this exists
Somebody on Reddit asked the question this site exists to answer.
WHO can I sit down with to help me organise it all? [...] Mortgage broker doesn't go deep/detailed enough, Bank obviously won't give advice, financial advisors only seem interested if we want to invest a large chunk of funds. So who the heck can I get this basic practical advice from???
r/PersonalFinanceNZ, 23 July 2026
Read what that person did. They listed every institution in the market, ruled out all three, and then asked strangers on the internet.
They are not unusual. Inside a single sample of New Zealand mortgage discussion there are five separate mortgage tools built by ordinary borrowers in their spare time — a rate tracker, a break fee calculator, a fix-or-float model, an eight-bank calculator app — plus two people who ran their own twenty-year quantitative studies of fixed-term strategy and published the code.
Nobody builds a Monte Carlo simulation of their own mortgage because they are comfortable. They build it because the institution holding their largest debt will not answer the question, and no product does either.
What we do
Two jobs, and a line down the middle of them.
One
We publish facts
Every New Zealand lender's carded rates, pulled nightly from their own published material, including the small lenders most comparison sites leave off. Cashback amounts and the minimum periods attached to them. What moving actually costs. What the OCR did and when.
Publishing that requires no licence. It is factual information under the Financial Markets Conduct Act 2013, Schedule 5, Part 2, cl 7(a).
Two
We diagnose
Arithmetic on the numbers you enter. Where your rate sits. What your repayment does at published rates. What your cashback would cost you to leave. How many days are left on your term.
Things about your loan worth asking about, named specifically — which is a different act from telling you what the answer is.
And not the third
We don't recommend
Telling you what to do with a specific mortgage is regulated financial advice in New Zealand and it requires a Financial Advice Provider licence. We do not hold one. The adviser we hand you to does, and they will give you their disclosure information before they advise you on anything.
That boundary is not a disclaimer at the bottom of the page. It is why you can believe what is on the rest of it.
How we're paid
Free to you, and the money comes from the other end.
If you speak to an adviser and it leads to a settled loan, the lender pays the adviser a commission and the adviser pays us a share. That is it. No lender pays us to be shown first, higher, or at all, and there is no paid placement in the rate table.
Category scrape of the six largest New Zealand mortgage comparison sites, 11 September 2026.
One of those six calls its destination an impartial mortgage adviser while being owned by that brokerage. We would rather just say it.
You can use everything on this site, take the numbers, and never speak to anyone. That is a normal outcome, not a failed one.
Your details
One adviser. Not a panel.
We do not sell your data and we do not pass your details to multiple brokers to compete over. When you ask to speak to someone, one licensed adviser gets your enquiry, along with the numbers you already entered so you do not have to say it all twice.
If you give us your fixed-rate expiry date, we use it for exactly one thing: telling you when it is close. One note at 90 days, one at 30, and a note if your lender moves. Stop it in one click, any time.
The honest part
There is no social proof on this page, and that is deliberate.
This is a new business. We have no customers to quote, no settlements to count and no average saving to advertise. Every one of those would be easy to invent and impossible to defend, so none of them is here.
What you can check about us instead, in about ten minutes, without taking our word for any of it:
- Every rate we publish appears on the lender's own website. Open their rate page and compare it. If ours is wrong, ours is wrong.
- Every figure in the tools is arithmetic on numbers you typed, with the method stated next to the result. You can redo any of it on a phone calculator.
- Every market statistic on this site is sourced inline — mostly Reserve Bank series S33 and the public OCR record. Both are free to look at.
- The adviser we hand you to is named and licensed, and listed on the Financial Service Providers Register, which is a public search.
- Where we do not know something, the page says so rather than estimating around it. The rate table shows em-dashes until it has real data, and the unverified numbers on this site carry a note saying they are unverified.
When there is real proof, it will go here. Until then, this section is doing its job.
Who's behind it
The company details, in full, before we take a single enquiry.
Questions
The things people ask before they trust a site like this.
Who are you, and why should I believe any of this?
We are a New Zealand mortgage comparison service. We do not lend and no lender owns us. We are new, we have no customers to quote at you, and inventing some would be both easy and disqualifying, so we have not. What you can check instead: every rate we publish appears on the lender’s own site, every market figure is sourced inline and mostly comes from the Reserve Bank, every calculation shows its method, and the licensed adviser we hand you to is named and listed on the Financial Service Providers Register.
Are you paid to show one lender ahead of another?
No, and there is no paid placement in the rate table. The table is ordered by rate. We are paid a share of an adviser’s commission if a loan settles, regardless of which lender it settles with, and no lender pays us anything.
Is this financial advice?
No. This site publishes factual information about lenders’ published rates, fees and offers, and does arithmetic on numbers you enter. Advice — a recommendation or an opinion about a particular product for your situation — requires a Financial Advice Provider licence. We do not hold one. The licensed adviser we hand you to does, and they will give you their disclosure information before advising you.
Will I get hounded?
One licensed adviser makes contact, and only if you ask for that. We do not sell your details, and we do not pass them to a panel of brokers to compete over. If all you have given us is an expiry date, all you will get is a note at 90 days, a note at 30, and a note if your lender moves its rates. One click stops it.
What if the answer is that nothing needs to change?
Then that is what the report says. A saving that does not clear the break fee, the legal costs and the cashback clawback is not a saving, and we would rather show you that arithmetic than pretend otherwise. Knowing the date to look again is a result.
My broker or my bank already handles this.
Then you have a first opinion, and this costs you four minutes to get a second one. Nobody gets fired over it. The parts worth a licensed opinion are usually the structure, the break fee, the clawback, and whether a move clears its own costs.
Have a look at the numbers first.
Nothing to sign up for, and nobody rings you unless you ask them to.
See my options