Independent Mortgage Advisers, NZ
Simpler was founded on one idea: that getting a home loan shouldn't be complicated, expensive, or stressful. We compare rates across 25+ NZ lenders to find you the right deal, and our service is free because lenders pay us, not you.
Home Loans Without the Headache
Simpler was founded on one idea: that getting a home loan shouldn't be complicated, expensive, or stressful. We're an independent mortgage brokerage that compares rates across 25+ NZ lenders to find you the right deal. Our service is free, because lenders pay us, not you.
Whether you're buying your first home, refinancing, investing in property, or building new, we handle the process from application to settlement. Based in Christchurch and available nationwide, we work 100% online so it doesn't matter where in New Zealand you are.
Meet the Team
We're not a call centre or a faceless comparison site. When you work with Simpler, you work directly with one of us.
Sebastian Pierce
Director & Principal Mortgage and Insurance Adviser
Seb founded Simpler after spending a decade in the banking and finance industry, including time as a Commercial Manager at ASB Bank. During his time at ASB, he pioneered digital banking solutions for shared home ownership, giving him a deep understanding of how banks assess, structure, and approve lending from the inside.
He holds a Bachelor's degree in Finance and a Masters of Engineering Management, which earned him the nickname "the Financial Engineer." That combination of banking experience and technical thinking means he looks at your mortgage from every angle: tax-efficient loan structures, rate negotiation, and long-term strategy.
Seb is also an active property investor and developer, so he's been through the lending process himself, on both sides of the table.
Beka Fitzgerald
Mortgage Consultant
Beka joined Simpler at the end of 2020 and handles client-bank liaisons and loan applications from start to finish. She specialises in working with first home buyers, guiding them through KiwiSaver withdrawals, First Home Loans, deposit requirements, and everything in between.
If you've got questions during your application, Beka is usually the person keeping things on track and making sure nothing falls through the cracks.
Why Work With Us
Here's what you get when you work with Simpler instead of going straight to a bank.
Free Service
We don't charge for our services. Lenders pay us a commission when your loan settles, so our advice costs you nothing. If something falls outside that (which is rare), we'll tell you upfront before any work begins.
Independent Advice
We're not tied to any one bank. We compare home loan products across 25+ NZ lenders, including ANZ, ASB, BNZ, Westpac, Kiwibank, and non-bank lenders, to find what actually suits your situation.
Bank-Level Expertise
Seb spent 10 years inside the banking system. He knows how applications are assessed, what triggers declines, and how to structure lending so it gets approved. That's not something you get walking into a branch.
Ongoing Support
We don't disappear after settlement. Through our Mortgage Match system, we review your loan regularly and let you know when a better rate or structure becomes available, whether that's 6 months or 6 years down the track.
Licensed to Advise
Simpler is a registered Financial Service Provider and operates under New Zealand's financial advice regulations. We hold the required licences to provide mortgage and insurance advice nationwide.
Ready to Talk Mortgages?
Book a free, no-obligation chat with Seb or Beka. Whether you're just exploring your options or ready to apply, we're here to help.
Book a Free Chat