“Probably the best Mortgage Broker in NZ”
“Probably the best Mortgage Broker in NZ”
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.
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.
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!
"Absolutely awesome words can't describe it even when we were declined you fought for us and got us our first home loan amazing job never gave up 5 starts and more"
Ross & Briar Parfitt
"I've dealt with many brokers and lenders in my career, these guys were BY FAR the quickest and stress free to work with. Everything was so easy for a change, professional, to the point, and simple. Highly recommend them! Can't speak highly enough of this company!"
"Our bank of 10+ years couldn't get the job done. Jeff and his team did it in two weeks, absolutely hassle free. Really need an option for a 6 star rating as the type of personalised service you receive from iLender just doesn't exist anywhere else."
"Thank you Jeff and team. We have found a home and you have made it possible for our family. You have made the impossible look easy and we are very thankful with gratitude that you have worked on our behalf. Very happy and satisfied customer and we highly recommend your services to those that find it a challenge buying a home...Thank you ++++"
"I am a first home buyer, who had been battling for 7 months to secure a home for my family and I. Jeff was my third try at a mortgage broker/banker, and by the time I got to Jeff I'm just thinking about giving up, this is just too hard. Jeff brought assurance and calmness to my situation straight away. He answered all my questions with clarity, and without hesitation or annoyance. Just shy of 4 weeks since working with Jeff, I am now a home owner. I cannot recommend him enough!! Thank you for all your help Jeff."
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?
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.
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....
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...
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...