It starts with a conversationTell us about your goals and situation.
MORTGAGE ADVICE
Home loans that fit your life
Whether it's your first home, your next move or an investment, we'll help you find a home loan that fits your life, and be with you from the start and long after you move in.
Your home loan, sorted by people who care
We do the negotiating for you
We work with a range of lenders and negotiate on your behalf to help find a mortgage that suits your situation, not just the first option available.
We help structure your loan
The right structure can save you a lot over the life of your loan. We'll talk through your short- and long-term goals and set up your mortgage to match.
We take the stress off your plate
Paperwork, deadlines and back-and-forth with the bank: we handle it, from application through to settlement.
Usually at no cost to you
In most cases, we don't charge you a fee for mortgage advice, as we're paid a commission by the lender. A fee may apply in some situations, and we'll explain this before you proceed. See our Disclosure Information for details.
HOW IT WORKS
Four simple steps to the right home loan
EVERY STEP OF THE PROPERTY LADDER
Wherever you are on your property journey
No two situations are the same. We take the time to understand yours, then find the right lending for it.
First home buyersBuying your first home is exciting, and a bit daunting. We’ll guide you from pre-approval to when you get the keys. And we’ll still be here when it’s time to refix your loan.
RefinancingLooking for a better rate, planning a renovation, or consolidating debt? We’ll compare your loan with what’s available and set up a structure that suits where you’re heading.
MEET YOUR MORTGAGE SPECIALIST
Brad Whitfield
Before joining the family at Discovery, Brad spent nine years with the New Zealand Police, most recently as a detective. Today he brings that same eye for detail to helping Kiwis into their homes.
TRUSTED BY 6,000+ KIWIS
What our clients say
⭐⭐⭐⭐⭐
Read our 5-star Google reviews
I just have to share my gratitude for Bradley at Discovery Financial Services. As first-time homebuyers, my partner and I were completely clueless about where to start. Being self-employed added another layer of uncertainty, but Bradley made everything incredibly easy for us.
Throughout the entire journey, Bradley's patience and expertise shone through. He guided us step by step, answering all our questions and concerns with a smile. Even though finding our first home took longer than expected, Bradley stuck with us, offering valuable advice and support every step of the way.
I can't recommend Bradley and Discovery Financial Services highly enough. If you're in the market for a mortgage and want top-notch service, look no further than Bradley and his team. Thank you for making our home buying experience a breeze!
ZT
Zanya du Toit
Insurance & Mortgage client for 2 years
Plan ahead with our quick Mortgage Repayment Calculator
Use our quick mortgage calculator for your initial planning, then get in touch to fine-tune your mortgage lending options and find the right fit for your needs.
A note about our calculator:
Repayments are calculated using the interest rate you enter. Lenders may use a different rate when assessing your ability to meet your loan repayments, so treat these results as a guide only.
Have a home in mind? Get an idea of what your repayments might look like.
Loan principal
Estimated monthly repayment
Estimated total interest
Estimated total repaid
Indicative calculations only, assuming a constant interest rate and equal monthly principal-and-interest repayments over the full loan term. Actual repayments, fees and lender assessment rates may differ. This is not a lending offer or financial advice.
Access to a wide range of lenders
FAQs
Mortgage questions answered
Still wondering about something? We're always happy to chat. Give us a call on 09 271 2570 or 021 048 3332, or send us a message.
Why use a mortgage adviser instead of going to my bank?
A bank can only offer its own loans, while we compare options from a range of banks and other lenders. We help you set up a loan structure that suits your short and long-term goals, negotiate with lenders on your behalf, and handle the paperwork so you don't have to.
Do you charge for mortgage advice?
Usually not. The lender pays us a commission once your loan settles, so in most cases we don't charge you a fee. A fee can apply in some situations, and we'll always explain that upfront.
How much can I borrow?
It depends on your income, your expenses, your deposit and each lender’s rules. We can work through your numbers with you, so you have a clearer idea before you start looking.
How much deposit do I need?
Most lenders prefer a 20% deposit, but some first home buyers may be able to borrow with less. Every situation is different, so talk to us early and we’ll help you understand your options.
Which lenders do you work with?
We work with the main New Zealand banks, including ANZ, ASB, BNZ, Westpac, Kiwibank, SBS Bank and The Co-operative Bank. We also work with non-bank lenders such as Liberty, Pepper Money, Avanti Finance, Basecorp Finance and First Mortgage Trust, giving you more access to funding options.
Can you help if I'm self-employed?
Yes. Changing income and extra paperwork can make it harder for self-employed people to get a home loan, but many lenders now have loans designed for business owners. We know which lenders suit your situation and help you put together a strong application.
Should I get pre-approval?
In most cases, yes. Pre-approval shows you how much you may be able to borrow, so you can house hunt with more confidence. We can help you get it sorted.
Ready to find your way home?
Whether you're just starting to look or you've found the one, we'd love to help.
Our family protecting your family since 2009
GET IN TOUCH
Discovery Financial Services Ltd
Building 8, 15 Accent Drive, East Tamaki, Auckland 2013
Tel: 09 271 2570
