Declined by the bank? That's where we start.

Free specialist mortgage advice for self-employed Kiwis, complex income, and unique situations. We work with 15+ non-bank lenders to find solutions banks can't.

FMA Licensed | 15+ Non-Bank Lenders | Christchurch-Based, NZ-Wide | Free Initial Assessment

Email: addison@nznonbankmortgages.co.nz

Phone: 021 540 274

Where we can help

Specialist mortgage advice for complex situations.

Self Employed Mortgage

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Banks want two years of tidy financials. Real business doesn't always work that way. We work with non-bank lenders who assess your income using GST returns, bank statements, or an accountant's letter — so your business success actually counts.

Bridging finance

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Need to buy before you've sold? Bridging finance covers the gap between settling on your new property and selling your current one. We'll match you with a lender and manage the process so you can move on your timeline, not the bank's.

Bank declined

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A bank decline isn't the end — it's just the bank's criteria not fitting your situation. Whether it's a credit blip, unusual income, or a property the bank won't touch, non-bank lenders look at the full picture. We'll find out where you actually stand.

Low deposit lending

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Don't have 20% saved? Non-bank lenders offer home loans with as little as 10% deposit for owner-occupiers. If the bank says your deposit isn't enough, we can show you what's possible outside the bank — and help you get there.

Growing a portfolio means dealing with tighter bank rules on debt-to-income ratios, LVR limits, and rental income calculations. Non-bank lenders offer more flexibility on structure, interest-only terms, and how they assess your borrowing capacity.

Already on a non-bank loan and paying higher rates? We build every non-bank mortgage with an exit strategy — a clear plan to refinance you onto a lower bank rate once your situation allows. If you're ready to make the move, we'll guide the transition.

Property investors

5 Exit to a bank

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talk to us

Tell us about your situation and we’ll get back to you — usually within 8 hours during business hours. No obligation, no cost for an initial assessment.