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Remote mortgage advice
Looking for a mortgage broker Wellington buyers can work with from anywhere? I’m Yatin Kainth, an Auckland-based adviser. I help Wellington buyers and homeowners by phone and video, comparing 30+ lenders for first homes, refinancing and investment property.
By Yatin Kainth, Financial Adviser FSP1007497. Last reviewed
Short answer
A mortgage broker Wellington buyers can use remotely compares home loans from many lenders and handles the application through to settlement. I’m based in Auckland and have no Wellington office, but lenders look at you and the property, not where your adviser sits. For most bank home loans the lender pays me, so there’s usually no cost to you.
Many of the Wellington buyers I speak with are busy in the week and want a call in the evening or at lunch. That suits remote advice well. I work out what you can borrow, choose lenders whose policies fit your income and deposit, and manage the application through to settlement.
Income that isn’t a simple salary, such as contract work or a mix of PAYE and self-employment, is treated differently from lender to lender. That’s where comparing 30+ lenders earns its keep. If you’d like a rough figure first, try the borrowing calculator.
The latest REINZ figures are for September 2026, released on 15 October 2026. The Wellington region median price was $745,000, down 2.0% on a year earlier, and homes took a median of 52 days to sell. For Wellington City on its own, the median was $821,000, down 5.7%, from 192 sales. REINZ also noted that Wellington recorded its third-lowest September sales count. Cotality’s Home Value Index puts the median home value across Wellington City, Porirua, Upper Hutt and Lower Hutt at $755,115 (September 2026, -3.1% over the year); that is a modelled value rather than a sale price.
So prices have eased and fewer homes are changing hands. That can mean more time to decide, but every property is different and a median doesn’t predict what a particular home will sell for.
Put in the price of a home you’re considering. This shows the deposit at 5%, 10% and 20% and the loan left over. The Wellington region median was $745,000 in September 2026, so I’ve started the box near that.
5% deposit
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Indicative loan
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10% deposit
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Indicative loan
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20% deposit
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Indicative loan
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Illustrative only. It shows simple percentages of the price you enter. It ignores legal fees, building reports, lender criteria and whether a lender would approve you. Not personalised advice.
Wellington buyers often weigh up older character homes, townhouses and apartments, and newer builds in the wider region. Hilly sections, retaining walls and older foundations are common, so a building report earns its cost. Some properties narrow the list of lenders, for example small apartments, leasehold titles and cross-lease units where the flats plan doesn’t match what’s built. Better to find that out during due diligence than after you’ve gone unconditional.
Earthquake strengthening is worth understanding if you’re looking at older apartments. Some buildings have to be strengthened by a set deadline, and the cost can fall on owners. The Ministry of Business, Innovation and Employment explains the rules on its earthquake-prone buildings page. This is general information only. Ask your lawyer to check body corporate records and any strengthening notices before you commit.
On insurance, banks expect the home to be insured, and natural hazard cover is split between the government’s Natural Hazards Commission and your private insurer. I can’t advise on insurance, so get quotes early. Details are on the Natural Hazards Commission website.
A LIM (Land Information Memorandum) is a council report on what it knows about a property. Wellington City Council says a LIM lists permits and consents but doesn’t include the documents themselves, and it offers a separate building consent search service for copies. Its property reports page explains the options, including cheaper alternatives to a full LIM.
Get the report early in your due diligence period and have your lawyer check it. If anything looks unfinished or unconsented, tell me before you go unconditional. See the due diligence clause.
Banks assess you and the property, so where I sit doesn’t change the result. I never claim a Wellington office, because I don’t have one.
Here’s what I can do from Auckland, whichever city you’re buying in.
My main page is mortgage broker Auckland, which sets out what a broker does and how I’m paid.
No. I’m based in Auckland and work with clients across New Zealand by phone and video. Lenders assess you and the property, so that doesn’t change the outcome.
For most bank home loans, yes. The lender pays me a commission when the loan settles. A fee can apply in some cases, such as some non-bank lending, and I’d tell you and agree it in writing first.
It can. Lenders may look closely at apartments and older buildings, and strengthening costs can affect owners. Ask your lawyer to check the building’s records, and talk to me before you go unconditional.
If you’re buying your first home, you may be able to withdraw KiwiSaver for the deposit, leaving the minimum balance behind. My first home buyers page and my KiwiSaver withdrawal post cover the steps.
A 20-minute call or video chat costs nothing. I’ll tell you straight what lenders are likely to say.
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