# Simpler Mortgages

> Simpler Mortgages (SIMPLER Financial Limited, FSP761131) is a New Zealand mortgage adviser offering free, independent home loan advice nationwide, with access to 25+ lenders. We help first home buyers, people refinancing, property investors, and those moving house. Advice is free to clients because we are paid by the lender.

## Guides
- [KiwiSaver First Home Withdrawal](https://simpler.co.nz/guides/kiwisaver-first-home-withdrawal/): How much of your KiwiSaver you can withdraw for a first home (all of it bar $1,000, after 3 years of membership), who qualifies, and how funds reach your solicitor at settlement.
- [Mortgage Break Fees Explained](https://simpler.co.nz/guides/mortgage-break-fees/): How NZ break fees are calculated from wholesale swap rates, a worked example, and when the fee is large, small, or zero.
- [The First Home Grant in 2026](https://simpler.co.nz/guides/first-home-grant/): The First Home Grant closed to new applications on 30 May 2024. What happened and the first home support still available (First Home Loan, KiwiSaver withdrawal).

## Services
- [First Home Buyers](https://simpler.co.nz/first-home-buyer/): Low deposit lending, First Home Loan (5% deposit), KiwiSaver, deposit and pre-approval help.
- [Refinance](https://simpler.co.nz/refinance/): Switching lenders, break fees, cash back offers, and restructuring.
- [Property Investment](https://simpler.co.nz/property-investment/): Investment lending, using equity, and structure.
- [Moving House](https://simpler.co.nz/moving-house/): Bridging finance, buy or sell first, and porting a mortgage.
- [New Builds](https://simpler.co.nz/new-builds/): Construction and turnkey lending, low deposit new build options.
- [Loan Top Ups](https://simpler.co.nz/loan-top-ups/): Borrowing against your existing home for renovations and more.
- [Development Finance](https://simpler.co.nz/development-finance/): Funding for small property developments.

## Tools
- [Mortgage Calculator](https://simpler.co.nz/mortgage-calculator/): Estimate repayments.
- [Borrowing Power Calculator](https://simpler.co.nz/borrowing-power-calculator/): Estimate how much you could borrow.
- [Interest Rates](https://simpler.co.nz/interest-rates/): Current home loan rate comparison.

## Areas we serve
Nationwide across New Zealand, with local pages for Christchurch, Auckland, Wellington, Tauranga, and Hamilton.

## Topics we cover
- First home buying, deposits, KiwiSaver first home withdrawal, First Home Loan (5% deposit)
- Refinancing, mortgage break fees, cash back and clawback, fixed rate rollover
- Property investment lending, LVR and DTI rules, using equity
- Pre-approval, borrowing power, fixed vs floating, the mortgage process

## Contact
- Book a free chat: https://simpler.co.nz/get-in-touch/
- Email: adviser@simpler.co.nz
- Phone: 03 366 6846
- Provider: SIMPLER Financial Limited, FSP761131, operating under the Kiwi Adviser Network FAP licence.