0800 536 337

'Probably the best Mortgage Broker in NZ'

Best mortgage rates, 10% deposit owner occupied and 20% investment, self employed with no financials and help for those with bad credit or arrears. Over 250 reviews on TradeMe makes us the 'Number One' choice... just ask how we can help!

Let's Talk
At iLender we are impartial in our advice. All Banks with whom we do business, pay about the same in commissions so it’s you who comes first, not the Bank! Although we are Auckland Mortgage Brokers we help customers everywhere with New Zealand home loans and even those from overseas. Type iLender into Trademe to read our reviews, more than any other Mortgage Broker in New Zealand. We help first home buyers, those refinancing or moving home, those wanting a mortgage with a poor credit history and we’re self employed mortgage specialists. All it takes is a call to 0800 536 337 and we’ll tell you almost immediately what can be done and what you need to do to get your NZ home loan.

Listen to our radio ad:

First Home Buyer
First Home Buyer

New to the mortgage market? Don’t worry, we’re not! We will guide you through all the different schemes including low deposit and gifting options. New products for buying off plan too.

Get Started
Non Banks Help Too
Non Bank to 85%

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.

Get Started
Property Investment
Property Investment

Funds up to 80% for property investment in Auckland. Don’t be shut out of New Zealand’s most dynamic property market, act today before it's too late! Funds also for first home buyers.

Get Started
Refinancing
Refinancing

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.

Get Started

Don't just take our word for it...

View all testimonials
Avatar 1
Anthony
TradeMe Review
“Due to redundancy we found ourselves in a dire financial situation. Our own bank was less than helpful. The other banks we called not much better. In desperation we called Jeff. It took a little while but now we are in a better financial than we were before the redundancy – despite having 3/4 of the income. Jeff acted in a professional, positive and friendly manner through out. I would have no hesitation recommending Jeff to anyone. Thanks Jeff.”
Avatar 8
Jenny
TradeMe Review
“No deposit. Reasonable income. One debt to pay for a few more years. Declined left, right & centre by banks, brokers & anyone else who would listen – except Jeff!! Only 5 days after faxing my details (including the weekend) Jeff has just phoned me to say I have a mortgage – from a bank that had previously declined me! After posting this review on the net, my next stop is the real estate sites. I’M GOING HOUSE SHOPPING! Thank you hardly seems adequate, but thank you again Jeff.”
Avatar 1
Celia & Ralph
TradeMe Review
“What an absolutely first class person to deal with… Jeff has been fantastic, constant communication, solved every problem we came up against and there were a few! as a result of Jeff’s amazing can do attitude, stickability and hard work, we now will be moving into our very first house in 3 weeks time. In our opinion don’t go to the banks go straight to Jeff, when the banks said no Jeff found a way. Words can’t express how grateful we are thanks so much Jeff.”
Avatar 6
Shirley
“Really appreciated Jeff Royles’ advice which has always been timely and invaluable for all my refinancing and mortgage advice. He has prompt service and a cheerful “can do” attitude – nothing is too much trouble for him, accessible (at all hours!) and he’s approachable at all times too! A first class mortgage broker of his calibre is hard to find, Jeff is indeed a star! I would not hesitate to recommend him.”
Avatar 7
Ross and Briar Parfitt
Executive Director
“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 stars and more.”

New Zealand 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?

Contact iLender
Apply Now

Latest Blog Articles

View all blog posts
Bad credit home loan specialists

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…
Continue Reading
lvr

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…
Continue Reading

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…
Continue Reading

Credit searches – What to know before you apply for a Mortgage or Loan

All Lenders use a credit search as part of their assessment of a Mortgage or Loan…
Continue Reading