The Simpler Way to a Home Loan
We named it Simpler for a reason. One person handles the whole thing, from your first chat to your yearly review. Plain English, clear next steps, nothing left for you to chase.
Our service is free. We get paid by the lender, not by you.
From first hello to settlement
Every Simpler client moves through the same six steps. Tap any step to see exactly what happens, what we do behind the scenes, and what we'll need from you.
It starts with a real conversation, on the phone, video, email, or in person. We listen first. You tell us what you're trying to do, what's worrying you, and what you've already looked at. There's no script and nothing to sign. By the end you'll have a clear sense of whether we can help and what's likely to be possible.
- We ask about your goal: buying, refinancing, building, investing
- We talk through your timeline and any deadlines
- We flag anything obvious that might affect your options
- A rough idea of your income and savings
- What you currently owe, if anything
- Your time horizon for the move
We send you a secure online application. It's the same information any lender will eventually ask for, captured once, in plain English. You'll attach payslips, bank statements, ID, and any KiwiSaver or rental info that applies. We then verify the figures, build a clear picture of your position, and identify any areas to tidy up before we approach a lender.
- Secure online form, do it at your own pace
- We review the numbers and check serviceability
- Where it matters, we suggest fixes that lift your borrowing power
- Three months of payslips and bank statements
- Photo ID and proof of address
- KiwiSaver statement if you're using it
This is where the work happens. We compare your situation across our full lender panel, including the big banks, second-tier banks, and non-bank lenders. We're looking at more than just rate: we look at policy fit, structure, cashback offers, fees, and how each lender treats your specific situation. We come back with a clear written recommendation and explain why it's our pick.
- We compare rates, fees, cashback, and policy across 25+ lenders
- We negotiate on your behalf for sharper rates than the carded ones
- You get a written recommendation with the reasoning
- A quick chat to confirm any details
- Your sign-off on which lender to approach
Once you choose a lender, we package the application and submit it. We handle the back and forth with the bank's credit team, chase any extra documents, and keep things moving. If the lender comes back with questions, those questions come to us first, not to you. You get a single contact who knows your file, and updates whenever something changes.
- Application submitted with everything the lender needs
- We manage the credit team, valuations, and conditions
- Pre-approval or full approval comes through, in writing
- We coordinate with your solicitor through to settlement
- Quick replies to any follow-up requests
- Sale and purchase agreement once you have one
- Your solicitor's details
Once your loan settles, we don't disappear. When your fixed term is coming up, you want to top up, restructure into an offset or revolving credit, or your life changes, you call your adviser directly. The same person who set the loan up. That's the Simpler bit.
- Direct access to the adviser who set up your loan
- Restructure options on tap (offset, revolving credit, splits)
- No ticket queues, no starting from scratch
- A call before your fixed term ends if you'd like us to refix it
- A heads-up if anything major changes (job, income, family)
Once a year, we sit down again and check the loan still does what you need. Has your income changed? Are you ahead on payments? Should the structure shift? Could you save money switching lenders entirely? You don't pay for any of this. It's just part of being a Simpler client.
- We review your loan structure, balance, and rate position
- We re-test against the wider market
- If a refinance saves real money, we run the numbers and show you
- 30 minutes once a year
- An honest update on what's changed for you
Get a head start on your paperwork
After our first chat, we'll send you a fact find, a secure online uploader for everything below. None of it's needed for the chat itself. This list is just so you know what's coming and can gather in your own time.
Identity and address
Lenders need to confirm who you are and where you live. Two forms of ID is standard.
Income
Lenders test what you can afford using your income. Self-employed clients have a different list, see below.
Bank statements and savings
90 days of statements show how money flows through your accounts and where your deposit is sitting.
Debts and commitments
Anything you owe affects how much a lender will let you borrow, so it pays to surface everything early.
If you're self-employed
Most lenders want two years of trading history. We can sometimes work around shorter histories with non-bank lenders.
Want a head start? Begin the fact find now.
Skip ahead and start uploading. We'll review what you send and come back to you with the next step.
One adviser, every step of the way.
A mortgage process is stressful when you don't know what's happening. We tell you what we're doing, when we're doing it, and what to expect next, without waiting to be chased.
Pick the channel that suits you
Some clients prefer a quick text. Others want a video call. Some only check email. We work the way you do.
- Phone, video call, email, or text
- Updates without you having to chase
- Same adviser end to end, no handoffs
Reasonable response times
We aim to come back to you the same business day. If your application is in the lender's hands, we'll let you know as soon as anything changes.
- Same-day reply on business days
- Status update each step of the application
- Your adviser's direct mobile and email
Plain English, in writing
Big decisions get sent to you in writing so you can re-read them, share with your partner, or come back later. No verbal-only commitments.
- Written recommendation with the reasoning
- Numbers laid out, no smoke and mirrors
- Jargon translated, every time
The same human, end to end
Whoever you have your first chat with is who you'll deal with through to settlement, and then for every yearly review after that. One name on every email, one voice on every call.
We don't disappear once your loan goes through
Most advisers focus on placing the loan and then they're gone. Fixed terms roll off, market rates shift, your situation changes, and the loan that was perfect three years ago quietly stops being the right one.
Our job continues for the life of your loan. Once a year we sit down again, run the numbers, and tell you what we'd do if it was our money.
- Annual review meetingcovering rate, structure, balances, and any life changes that affect the loan
- Restructure on tapif a split, offset, or revolving credit setup would help you pay it off faster
- Top-up and refinance supportwhen you're ready to renovate, buy again, or move to a new lender
A 0.50% better rate on a $600,000 mortgage is roughly $3,000 a year back in your pocket.
That's the kind of difference an annual review can find, and it's the kind of money that quietly disappears if no one is looking. We do the looking for you, every year, for as long as you're with us.
Process FAQs
The questions we hear most from people about to start working with us.
No. The first chat is a conversation. Nothing to sign and no obligation either way. By the end you'll know whether we can help, what's likely to be possible, and what the next step would look like if you want to keep going.
Our service is free to you. Lenders pay us a commission when your loan settles, which is the same whether you go directly to the bank or come through us. We disclose our commission rates and any conflicts of interest in our public disclosure document, available on our website.
Yes. If you'd rather start with the application, you can. We'll review what you submit and reach out to confirm details and walk you through what happens next. Either order is fine.
Most pre-approvals come through in 2 to 4 weeks from the first chat, depending on how complete your documents are and the lender's queue. If you're under pressure (auction, conditional offer, short settlement), tell us at the start and we'll prioritise the application accordingly.
Self-employed, contract work, recent credit issues, low deposit, multiple properties, expat income, complex trust structures: these are all common, and they're where having access to 25+ lenders matters most. Different lenders treat the same situation very differently, and we know which ones to approach.
A formal mortgage application creates a credit enquiry, which has a small, temporary impact on your score. Talking to us doesn't. We do the early comparison work without lodging anything, then only submit to the lender we've actually agreed on, so you don't end up with multiple enquiries on your file.
No. We give you a recommendation with the reasoning, but the choice is always yours. If you'd rather go with a different lender on our panel, we'll lodge the application there. If you want to stick with your existing bank, we can still negotiate the rate on your behalf.
A decline isn't the end of the road. We'll go through the lender's reasons with you, look at whether a different lender treats your situation more favourably, and discuss what could change the outcome (more deposit, paying down debt, time in current role, etc). Sometimes a few months of preparation turns a no into a yes.
Yes. We're your interface with the bank's credit team, valuers, and underwriters. If they need extra information we ask you once and pass it on. You don't get pulled into multiple phone calls or chasing up your own application.
Yes. There's no exclusivity contract holding you to your current adviser. If you want a second opinion or a fresh start, you're free to come and have a chat. Your existing loan, structure, and lender relationships stay exactly where they are while we look.
Ready to Get Started?
Whether you're three months out from buying or just starting to think about it, the first chat is the same. No commitment, no jargon, no pressure. In 15 minutes we'll cover:
- A rough sense of where you sit and what could lift your borrowing power
- Which lenders are likely to say yes to your situation
- A realistic timeframe to pre-approval and settlement
- What to gather before the application stage
