Home Loans Made Simple — For Every Kiwi.

Free mortgage advice for first home buyers, homeowners looking to refinance, and Kiwis who may not fit standard bank criteria.

I’m Sukhi — Registered Financial Adviser at Kiwi Lending. I work with main banks and non-bank lenders to find the right solution for your situation.

Whoever you are — there may be a pathway.

Buying Your First Home

Saving for a deposit, unsure how much you can borrow, or wondering if now is the right time? I help first home buyers understand their options, get pre-approved, and take the next step with confidence.

Reviewing or Refinancing Your Mortgage

Is your fixed rate coming up? Not sure if your current bank is still giving you the best deal? Refinancing is not just about the interest rate — it can also mean cashback, debt consolidation, and better loan structure.

Bank Said No? You May Still Have Options

A bank decline does not always mean the end of the road. If you have credit issues, are self-employed, or have a complex financial situation, there may be non-bank lending pathways worth reviewing.

Note : Non-bank lending may involve higher rates and fees. Professional advice matters.

Why work with a mortgage adviser?

NO ADVISER FEE IN MOST CASES

In most cases, lenders pay us — not you. If a fee applies, we’ll tell you upfront.

Access to More Lenders

I work with 1st, 2nd and 3rd tier lenders, giving you more options and a better chance of finding the right solution.

I Do the Work For You

I assess your situation, compare lenders, structure the loan, handle the paperwork, and support you every step of the way.

Honest, Clear Advice

No jargon. No pressure. Just honest guidance so you can make confident decisions.

Non-Bank Options Available

If the bank says no today, I’ll explore alternative lending pathways and help you plan ahead.

PERSONALISED LENDING ADVICE

1st, 2nd and 3rd tier lender access

Serving All New Zealand

100% free, no obligation service

YOUR MORTGAGE JOURNEY IN 4 SIMPLE STEPS

Step 1

Book a Free Chat

Tell me about your situation. No paperwork required at this stage. Just a conversation.

Step 1

Step 2

I Review Your Options

I assess your financial position, compare lenders across the market, and identify the best available options for you.

Step 2

Step 3

Application and Approval

Once you’re happy with the direction, I manage the application, liaise with the lender, and keep you updated throughout.

Step 3

Step 4

Settlement and Beyond

We confirm the loan, support settlement, and stay in touch. When your fixed rate comes up for review, I’m here to help again

Step 4

Book Your Free Mortgage Chat

Full Name *

Phone Number *

Email Address *

What best describes your situation? *

Do you have a deposit or equity? *

When are you looking to act? *

Any additional details?

I confirm I have read and agree to the Privacy Policy. I consent to Sukhi – Your Mortgage Mate contacting me regarding my enquiry.

Testimonials / Client Stories

    
 
 
      Trustindex verifies that the original source of the review is Google. 
  
  Posted on Google  
 
    
   HARMAN MANN 
 28 May 2026
 
 
 
     Trustindex verifies that the original source of the review is Google. Buying My first home With Sukhi was so good as he made everything very easy. I never knew I was capable of buying a house until I met him . His guidance and his support throughout the process is amazing and he has your back in everything. I am glad I got to have him as my advisor. Very prompt response and very well informed regarding everything a new buyer needs to know. I started the process in March end and I was able to buy in May , now I am a Home Owner! I recommend him if you are buying your next property as he makes things easier to achieve. Thank you again Sukhi .

Regards
Anjila Singh
  
  Posted on Google  
 
    
   MystQ Solid Perfumes 
 22 May 2026
 
 
 
     Trustindex verifies that the original source of the review is Google. As first-home buyers, we had lots of questions, and our mortgage broker was incredibly supportive and knowledgeable. Sukhi guided us through every step, kept us updated, and always responded quickly. We couldn’t have done this without their help.
We are very happy with the service and would recommend them to others.
  
  Posted on Google  
 
    
   Sheenum Vashist 
 19 February 2026
 
 
 
     Trustindex verifies that the original source of the review is Google. Hi Sukhi
Thank you so much for the opportunity to move ahead with my investment property. I really appreciate your trust, guidance, and support—it made the whole process feel clear and achievable.
I’m grateful for your help and excited about what’s ahead. Looking forward to continuing our work together.
Best regards,
Jaspreet Singh
  
  Posted on Google  
 
    
   Jaspreet Singh 
 30 January 2026
 
 
 
     Trustindex verifies that the original source of the review is Google. Sukhjot is one of the professional and knowledgeable guy in the brokerage industry. Must contact him, even if for the advice only.  Can vouch for him.
  
  Posted on Google  
 
    
   Arshpreet Warring 
 22 December 2025
 
 
 
     Trustindex verifies that the original source of the review is Google. 
  
  Posted on Google  
 
    
   Shamsher Dhillon 
 22 December 2025
 
 
 
     Trustindex verifies that the original source of the review is Google. 
  
  Posted on Google  
 
    
   Jaskamal Jit 
 22 December 2025
 
 
 
     Trustindex verifies that the original source of the review is Google. 
  
  Posted on Google  
 
    
   Kamal Atwal 
 21 December 2025

About

Licensed Financial Service Provider: FSP1013131
Clear and personalised mortgage advice for first-home buyers, homeowners, investors and business owners.

Services

Contact Us

Christchurch Branch

520A Cranford Street,
Redwood, Christchurch 8051