Your home,
expertly
financed.
Mortgage broker NZ · Auckland-based mortgage adviser for first home, refinance & investment loans across New Zealand
As your mortgage adviser, we cut through the complexity, compare New Zealand’s leading lenders, and find the right mortgage for your situation. Plain English. No pressure. Real advice.
A mortgage adviser who
works for you
We’re not a bank. Instead, we’re genuinely on your side — comparing multiple lenders, cutting through the complexity, and giving you real advice in plain English.
Multiple lenders, one conversation
As your mortgage adviser, we compare home loans across New Zealand’s leading banks and specialist lenders — so you don’t have to sit in multiple bank queues. Ultimately, one meeting gives you your best options.
Real advice, not just a rate
Getting a low rate is great. However, getting the right structure for your situation is better. Therefore, we look at the whole picture and recommend what actually makes sense for you.
Fast, organised, on the ball
Additionally, we stay on top of your application, keep lenders moving, and keep you in the loop. Same-day responses, always. No chasing, no wondering what’s happening.
Whatever your
property goal
Whether you’re buying your first home, growing a portfolio, or simplifying your debt, we’ve helped clients in every situation. As a result, you get advice matched to your goal.
First Home Buyers
From KiwiSaver to pre-approval, we guide you through every step of getting into your first home — deposits can start from as little as 5% in some circumstances.
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Property Investment
Growing your portfolio? We understand rental income shading, interest-only structures, and multi-property strategies that work for investors.
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Existing Home Owners
Moving, building, refixing or paying debt down faster? When your fixed rate expires, most people just roll over. However, that’s often the most expensive thing you can do. Let us review your position — for free.
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Specialist Lending
Low deposit, bad credit, low doc or behind on payments? A bank decline isn’t the end. We work with non-bank lenders who look at the story behind the numbers.
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Business Finance
Commercial property, invoice finance, business loans and asset finance. Plus, self-employed doesn’t mean stuck. We know how lenders assess business income and how to package your financials to get the result you deserve.
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Property Development
House flips, land banking, townhouses and subdivisions, residual stock and second mortgages. Funding matched to each stage of your project.
Explore →Simple from start
to settlement
Four steps. No confusion. Just a clear path from your first conversation to keys in hand.
Free chat
No obligation, no jargon. First, tell us what you’re hoping to do — then we’ll tell you what’s possible and what to expect.
We do the work
Next, we assess your position across multiple lenders and present your best options — clearly explained, no pressure.
We submit for you
Then, we prepare and submit your application, liaise with the lender, and advocate for your case. You just sign.
Settlement & beyond
Finally, we stay with you through settlement and beyond — reviewing your structure as life changes so your mortgage keeps working for you.
What our clients say
“Yatin made the whole process feel manageable. As first home buyers we had no idea where to start — he explained everything in plain English and got us a great deal. We’re in our home now.”
“Being self-employed I’d been knocked back before. Yatin knew exactly how to structure our application and went to bat for us. We were approved and bought our investment property within six weeks.”
“We were refinancing and had no idea how much we were overpaying. Yatin reviewed our structure, moved us to a better lender, and we’re saving $400 a month. Wish we’d done this years ago.”
Hi, I’m Yatin — Your Mortgage Adviser
I started Mortgage Sense because I believed there was a better way to help Kiwis with their home loans — one that’s built on honest advice and a genuine understanding of your situation, not sales targets.
Today, I’m a registered Financial Adviser based in Hobsonville, Auckland. I work with first home buyers, investors, self-employed borrowers, and everyone in between — with access to a panel of 30+ New Zealand lenders and specialist financiers.
I work with clients right across New Zealand remotely, by phone or video, so you don’t need to be in Auckland to use a mortgage broker in NZ.
Hobsonville, Auckland
FSP Registered Adviser
Same-day responses
30+ lender panel
Get a feel for
your numbers
Our calculators give you a starting point — repayment estimates, borrowing capacity, and deposit requirements. They’re indicative only, but a great way to start thinking about what’s possible.
For a figure built from your own file, get a mortgage quote, or browse all our mortgage tools.
Try all calculators →Know before you borrow
The complete guide to using KiwiSaver for your first home
Everything you need to know about the first home withdrawal — how much you can take out, what counts, and how to apply.
How lenders assess rental income in New Zealand
Typically, most lenders only count 75–80% of rental income. Here’s why — and how to make it work in your favour.
Fixed vs floating: what to choose when your rate expires
When your fixed rate ends, you have choices. Here’s how to think through fixed vs floating — and when splitting makes sense.
Ready to take
the first step?
Essentially, it’s a free, no-pressure chat with Yatin. Ask anything. Importantly, you’ll find out what’s possible. You’ll leave with clarity — no obligation, no jargon, no hard sell.
7/3 Workspace Drive, Hobsonville, Auckland 0618
yatin@mortgagemanagers.co.nz
DDI: 09 886 3457