How it works
From first chat to keys in hand.
A river has momentum. A path goes somewhere. Here's how we walk both with you, and what to expect at each bend.
Written by Matt Edwards · Last updated May 2026
The journey
Six steps. Most of them are us, not you.
01
A 20-minute chat
You ring or send a message. We ring back within a business day. No forms to fill out yet — just a conversation about where you're at and what you're trying to do.
Typical time20 minutes
02
Discovery
We work out what you can borrow and at what price point — using your full picture, not just the headline number. KiwiSaver, deposit, income, expenses, dependants, plans for the next five years. Most of this happens over email and phone.
Typical time1–3 days
03
Packaging
We package your application properly. The story, the docs, the structure — laid out the way the bank's credit team wants to see it. This is the bit that matters most. A well-packaged application gets approved faster.
Typical time3–7 days
04
Bank submission and approval
We submit to the lender most likely to say yes for your scenario — not the one with the loudest ad. We chase, answer questions, fix tweaks. You get a conditional approval and go house-hunting (or property-buying, or building) with a real number.
Typical time1–2 weeks
05
Settlement
Sale and purchase agreement signed, conditions met, valuation done, solicitor briefed. We coordinate with your lawyer and the bank so settlement happens on time. Then the keys are yours.
Typical time4–6 weeks from offer accepted
06
The relationship
We don't disappear once the commission lands. Sixty days before your fixed term ends, we're back in your inbox with options. When life changes — kids, a renovation, a second property — we're your first call.
Typical timeForever (or until you stop borrowing)
What you don't have to do
Things we do on your behalf.
- Compare 30 lender websites
- Decode bank-speak (servicing tests, debt-to-income ratios, loan-to-value thresholds)
- Argue with the bank about why your bonus counts as income
- Stress about whether you've picked the right bank
- Watch the rate market for the next refix
What we ask of you: be honest with us about your situation, get docs in when we ask, and tell us early if anything changes. That's it.
What it costs
Almost always nothing — to you.
For standard home loans, the lender pays us when your loan settles. You don't pay us a cent.
A small slice of clients have situations where a fee makes sense (specialist non-bank lending, complex restructures, very small loans). When that's the case we tell you upfront, in writing, before any work starts. No surprises.
Step 01
Start with a 20-minute chat.
That's all the first step is. Once we've talked, we'll tell you the next step — and you can decide whether to take it.
