first home buyers

First Home

Buyers 

non bank help

Non Banks

Help Too

property investment

Property

Investment

refinancing with ilender

Refinancing

First Home

Buyers 

Non Banks

Help Too

Property

Investment

Refinancing

New to the mortgage market?  Don’t worry, we’re not.  At iLender, we’ll answer all your questions, helping you into your first home as quickly as possible.

Has your Bank said No? We can help at rates that will pleasantly surprise you, even to 90%. Self Employed no Financials? Credit issues? Arrears? We cater for all of these and more, just call to ask us how.

80% investment property mortgages still available at competitive interest rates. Plus advice around Property Investment and how to avoid the one bank trap. 

Fed up with your Bank? Mortgage not doing what you want it to do? Looking for a change? We are completely independent of any lender, Bank, non-Banks, Finance Companies and Private Funds.

first home buyers
non bank help
property investment
refinancing with ilender
apply for mortgage now

Sticky situation? We’ll put a smile back on your dial.

We offer impartial advice and Banks we work with pay us about the same commission, so it’s you who comes first, not the Bank! Based in Auckland, we help customers throughout NZ with Home Loans and even those from overseas. Type iLender into Google and Trademe to read our reviews – 100’s of customers happy to rate us, so let us add you to the list!

If you’re First Home Buyers, Refinancing or Moving Home, have poor credit history or are Self Employed, we are the ‘go to’ specialists.

Call us on 0800 536 337 to find out the best deal for your NZ home loan.

Don’t just take our word for it – check out our reviews!

Google Rating
4.9
Based on 84 reviews

Why use a Mortgage Broker?

A lot of people ask “so how does a Mortgage Broker get mortgages for people who can’t get them themselves?” or “why use a Mortgage Broker when I can do it myself?” The answers are simple.

For those who for whatever reason cannot get a mortgage due to bad credit or no proof of income (self employed especially), Mortgage Brokers have access to Mortgage products not available directly to the borrower. These are sometimes called Low Doc or Designer Mortgages and are often at Bank rates or a little over.

For bad credit and no proof of income, mortgages can still be arranged, it’s just a bit more expensive and the deposit or equity required might be higher. In these cases we always advise along the lines of a ‘means to an end’ and our goal is to get every customer to a Bank Mortgage as quickly as possible.

For those who can get a NZ home loan/mortgage from any Bank, that in itself can be a challenge! Who has the best rate? Who is giving away the most in freebies and more importantly, who has the best service?

Call 0800 536 337

Best mortgage rates, 10% deposit owner occupied and 20% rental purchase, self employed with no financials and help for those with bad credit or arrears.

Hundreds of reviews on TradeMe and Google makes us your ‘Number 1’ choice.

What kind of loans can I get with bad credit?

What kind of loans can I get with bad credit?

A few financial slip-ups in the past can have a surprisingly big impact on your credit rating. A bad credit rating indicates that you may be a risky borrower, which can make it difficult to get the bank’s approval when the time comes to apply for a home loan....

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LVR changes and what do they mean for you?

LVR changes and what do they mean for you?

Background In 2013 the Reserve Bank introduced LVR restrictions to curb a potential overheating of the property market. As a rule, owner occupiers needed a 20% deposit and investors 40%, later reduced to 30%. There was some leeway with banks able to lend a very small...

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Getting a home loan: What to do when the bank says “No”

Getting a home loan: What to do when the bank says “No”

It’s easy to feel discouraged when a bank rejects your home loan application, but it’s important that you do have other options when it comes to securing a mortgage. Non-bank lending can be an excellent option for home buyers who have had their mortgage applications...

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Call 0800 536 337