Auckland’s Trusted Mortgage Adviser

Your home,
expertly
financed.

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.

Book a free chat → How it works
🏡
Pre-approval issued
Subject to lender assessment
★★★★★
4.5 Google Rating
Verified reviews
Working with New Zealand’s leading lenders & specialist financiers
Our lender panel including ANZ, ASB, BNZ, Westpac, Kiwibank, Heartland, Avanti Finance, Basecorp, CFML, Cressida Capital, DBR, Finbase, First Mortgage Trust, Funding Partners, Lendr, Liberty, Merx, Midlands, Pallas Capital, Pepper Money, Prospa, SBS, ScotPac, Southern Cross Partners, The Co-operative Bank, TSB, Unity, Welcome, XCEDA and more
Why Mortgage Sense

A mortgage adviser who
works for you

We’re not a bank. We’re on your side — comparing multiple lenders, cutting through the complexity, and giving you real advice in plain English.

🏦

Multiple lenders, one conversation

We compare home loans across New Zealand’s leading banks and specialist lenders — so you don’t have to sit in multiple bank queues. One meeting, your best options.

🤝

Real advice, not just a rate

Getting a low rate is great. Getting the right structure for your situation is better. We look at the whole picture and recommend what actually makes sense for you.

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Fast, organised, on the ball

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.

What we do

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.

01
🏡

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.

Explore →
02
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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.

Explore →
03
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Refinancing

When your fixed rate expires, most people just roll over. But that’s often the most expensive thing you can do. Let us review your position — for free.

Explore →
04
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Construction Loans

Building or buying a new build? Construction lending is complex. We know the full process — from initial approval through to final drawdown.

Explore →
05
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Self-Employed

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.

Explore →
06
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Development Finance

Multi-dwelling projects, land subdivision, debt consolidation, or commercial referrals — we work with specialist lenders for complex requirements.

Explore →
How it works

Simple from start
to settlement

Four steps. No confusion. Just a clear path from your first conversation to keys in hand.

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Free chat

No obligation, no jargon. Tell us what you’re hoping to do — we’ll tell you what’s possible and what to expect.

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We do the work

We assess your position across multiple lenders and present your best options — clearly explained, no pressure.

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We submit for you

We prepare and submit your application, liaise with the lender, and advocate for your case. You just sign.

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Settlement & beyond

We stay with you through settlement and beyond — reviewing your structure as life changes so your mortgage keeps working for you.

30+
Lenders & financiers on our panel
4.5★
Google Reviews rating
Client stories

What our clients say

G
★★★★★
4.5 on Google
★★★★★

“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.”

SK
Sam & Kiri
First Home Buyers · West Auckland
★★★★★

“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.”

JM
James M.
Self-Employed Investor · North Shore
★★★★★

“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.”

PL
Priya & Liam
Refinancing · Hobsonville
Your adviser

Hi, I’m Yatin

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.

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.

📍 Hobsonville, Auckland ✓ FSP Registered Adviser ⚡ Same-day responses 🏦 30+ lender panel
4.5★
Google Reviews
30+
Lenders on panel
Free
Initial consultation
Book a free chat → 022 064 7770
Yatin Kainth — Mortgage Adviser
Yatin Kainth
Financial Adviser · Mortgage Sense
FSP Registered 30+ Lenders
Mortgage calculators

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.

Try all calculators →

Weekly repayment estimator

Loan amount $650,000
Interest rate 6.5%
Loan term 30 years
Estimated weekly repayment
$1,031
Principal & interest, indicative only

Results are indicative only and subject to full lender assessment and current interest rates. See our disclosure.

Learning hub

Know before you borrow

All articles →
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First Home

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.

8 min readRead more →
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Investment

How lenders assess rental income in New Zealand

Most lenders only count 75–80% of rental income. Here’s why — and how to make it work in your favour.

6 min readRead more →
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Refinancing

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.

5 min readRead more →
FAQ

Questions?
We’ve got answers.

If you’re not sure where to start, start here. The questions we hear most often — answered in plain English.

Ask Yatin directly →
How much do mortgage advisers cost?+
Our service is free to you in most cases. We’re paid a commission by the lender when a mortgage settles. Full details of how we’re paid and any fees that may apply are in our Disclosure Statement.
How much deposit do I need for my first home?+
Deposits can start from as little as 5% in some circumstances, depending on your situation and the lender. Most standard purchases work with a 20% deposit, but some lenders have low-deposit options — and KiwiSaver can form part of your deposit. Subject to lender assessment and LVR restrictions.
Can I get a mortgage if I’m self-employed?+
Yes — it’s more complex, but absolutely possible. Most lenders want two years of financial statements, though some have more flexible criteria. We specialise in self-employed applications and know which lenders are most open to it.
How long does mortgage approval take?+
A pre-approval can typically be obtained in 3–7 business days once we have all your documentation. Full formal approval after an offer is accepted usually takes 5–10 business days, depending on the lender. We push hard to keep things moving.
Should I fix my mortgage or go floating?+
This depends on your situation, risk appetite, and current market conditions. Fixed gives certainty; floating gives flexibility. Many clients benefit from splitting across both. We’ll walk you through the pros and cons for your specific circumstances.
What are your fees and charges?+
Full details of our fees, charges, and how we’re remunerated are available in our Disclosure Statement at mortgagemanagers.co.nz. In most circumstances our advice is provided at no direct cost to you.
Let’s talk

Ready to take
the first step?

A free, no-pressure chat with Yatin. Ask anything. Find out what’s possible. You’ll leave with clarity — no obligation, no jargon, no hard sell.

Email Yatin → 022 064 7770
📍 7/3 Workspace Drive, Hobsonville, Auckland 0618
📧 yatin@mortgagemanagers.co.nz
📞 DDI: 09 886 3457