Online Mortgage Broker New Zealand
Getting a mortgage sorted shouldn’t depend on where you live. OneStop Financial Solutions is a licensed online mortgage broker based in Highland Park, Auckland, helping Kiwis across the country secure the right home loan without ever needing to step into an office.
Whether you’re a first home buyer in Dunedin, refinancing in Hamilton, or growing a property portfolio from the Bay of Plenty, our advisers work with you entirely online. Same expert advice, same access to multiple lenders, without the geography restrictions.
Financial Advice Provider Licence: FSP702911
How Our Online Mortgage Broker Service Works
Our process is built for people who want professional mortgage advice without the hassle of in-person meetings. Everything from your initial consultation through to settlement is handled via video call, phone, email, and our secure online document portal.
Here’s what to expect when you work with us:
- Free initial consultation. We start with a video call or phone conversation to understand your goals, financial position, and lending needs. This is a no obligation chat to see if we’re the right fit.
- Document collection. Upload your documents securely through our online portal. We’ll let you know exactly what’s needed upfront so there’s no back and forth.
- Lender research and recommendation. We compare options across our full panel of bank and non-bank lenders to find the loan structure that suits your situation. You’ll receive a clear recommendation with the reasoning behind it.
- Application and negotiation. We handle the paperwork, submit your application, and negotiate with lenders on your behalf. You stay informed at every stage.
- Approval and settlement. Once approved, we work with your solicitor and the lender to get everything across the line. After settlement, we stay in touch and review your mortgage regularly to make sure it’s still working for you.
The entire process can be completed from your kitchen table, your office, or wherever you happen to be. No branch visits required.
Who We Help
Our online mortgage broker service is designed for anyone in New Zealand who prefers a digital first approach to getting a home loan. That includes:
First Home Buyers
Buying your first home is a big step, and getting your first mortgage can feel overwhelming. We walk you through borrowing capacity, deposit requirements, KiwiSaver withdrawal options, and government support like the Kāinga Ora First Home Loan. Our advisers explain everything clearly, so you can make confident decisions.
Refinancing and Restructuring
If you already have a mortgage, there’s a good chance it could be working harder for you. We review your current loan structure, compare rates across our lender panel, and identify opportunities to reduce interest costs, consolidate debt, or free up equity. Many of our clients save thousands over the life of their loan through strategic refinancing.
Property Investors
Building a property portfolio requires a different lending strategy. We help investors manage loan to value ratio (LVR) restrictions, structure loans for tax efficiency, and secure competitive rates across multiple properties. Whether you’re purchasing your first investment property or your tenth, we can assist.
Self-Employed and Non-Standard Income
Traditional banks don’t always make it easy for self-employed borrowers or those with non-standard income. Through our panel of non-bank lenders, we can often find solutions where the banks have said no.
Rural and Regional New Zealand
If you’re in a town without easy access to a mortgage broker’s office, our online service is here for you. You get the same quality advice as someone sitting across the desk from us in Auckland. We work with clients from Kaitaia to Invercargill and everywhere in between.
Why Work With an Online Mortgage Broker?
Working with an online mortgage broker gives you the same level of service and lender access as a traditional broker, with added convenience. There are a few reasons Kiwis are choosing to go online:
- Flexibility. Meet with your adviser outside of business hours. We schedule consultations around your life, not the other way around.
- No geographical limits. You’re not restricted to brokers in your local area. You can work with the best adviser for your situation regardless of where you are in New Zealand.
- Faster turnaround. Digital document collection and secure file sharing means less waiting and fewer delays compared to shuffling physical paperwork.
- Full transparency. You can review lender comparisons, rate options, and loan structures at your own pace before making any decisions.
- Same lender panel. Online doesn’t mean limited. We have access to the same major banks, non-bank lenders, and specialist lending products as any in-person broker.
Why Choose OneStop Financial Solutions
There are plenty of mortgage brokers in New Zealand. Here’s what sets us apart:
- Independent and unbiased. We don’t work for any bank or real estate company. We work for you. Our recommendations are based solely on what’s best for your financial situation.
- Licensed and regulated. Matt Willoughby of OneStop Financial Solutions holds a Financial Advice Provider (FAP) licence issued by the Financial Markets Authority (FMA). We’re registered on the Financial Service Providers Register (FSPR) and are members of an approved Dispute Resolution Scheme. Our advisers hold the NZ Certificate in Financial Services (Level 5) as required under the Financial Services Legislation Amendment Act.
- Multi-lender panel. We work with all the major banks alongside a range of non-bank and specialist lenders. This gives you options that you wouldn’t get by walking into a single bank branch.
- Free in most cases. For standard home loans and investment lending, our service is free. Lenders pay us a commission when your loan settles, which means we only get paid when we deliver a result for you. For some specialist or short-term lending, a broker fee may apply and we’ll always discuss this with you upfront.
- Ongoing support. Our relationship doesn’t end at settlement. We review your mortgage regularly, can assist with your insurances, and will reach out when there are opportunities to save or restructure.
Online Mortgage Broker vs Going Direct to the Bank
When you approach a bank directly, you’re limited to that bank’s products and policies. If their criteria don’t suit your situation, you’re back to square one and starting the process again somewhere else.
A mortgage broker does the comparison work for you. We assess your circumstances once and then match you with the right lender from across our entire panel. This saves you time, often saves you money, and means you’re less likely to be declined because we understand each lender’s appetite and assessment criteria before we submit your application.
For borrowers with straightforward lending needs, the difference might be a better interest rate or a more suitable loan structure. For those with more complex situations such as self-employment, multiple properties, or past credit issues, a broker can often open doors that the banks have closed.
We Work With Many Lenders Across
New Zealand Who Accept Online Applications
Frequently Asked Questions
Is an online mortgage broker as good as meeting someone in person?
Yes. The advice, lender access, and service quality are identical. The only difference is how we communicate. Video calls, phone conversations, and secure document sharing mean you get the same thorough service without needing to travel to a physical office.
How much does it cost to use an online mortgage broker?
In most cases, nothing. Lenders pay us a commission for arranging your loan. For certain types of specialist or short-term lending, a fee may apply, and we’ll always let you know before you commit to anything. Read our disclosure statement for more information.
Can you help if my bank has already declined me?
Often, yes. A bank decline doesn’t always mean you can’t get a loan. It may mean that the bank’s criteria don’t suit your circumstances. We have access to non-bank lenders and specialist lending products that cater for self-employed borrowers, those with irregular income, and applicants with past credit issues.
How long does the online mortgage process take?
Timeframes vary depending on your situation and the lender. A straightforward pre-approval can often be turned around within a few days. More complex applications may take a couple of weeks. We keep you updated throughout and work to minimise delays wherever we can.
What documents do I need before applying for a mortgage online?
We ask for photo ID (passport or NZ driver licence), proof of income such as payslips or financial statements if you’re self-employed, three months of bank statements, a summary of any existing debts and assets, and your KiwiSaver statement if you plan to put it toward your deposit. Don’t worry if you’re not sure what applies to your situation. We’ll walk you through it during your initial consultation.
Is my personal information secure?
We take your privacy seriously. All documents are shared through secure, encrypted channels and we comply with the Privacy Act 2020. As a licensed Financial Advice Provider, we’re also bound by the Code of Professional Conduct for Financial Advice Services, which includes strict obligations around client care and data handling.
Do I need to be in Auckland to use your services?
Not at all. While our office is in Highland Park, Auckland, we work with clients across New Zealand. Our entire service is set up to operate remotely, so your location doesn’t affect the quality of advice or support you receive.
What Our Clients Say About Working With Matt & the OneStop Team
Since then, we've continued working with them including taking the plunge into "adulting" by sorting out both life insurance and health insurance. Matt and the team made the whole process simple and easy to understand, walking us through every step.
We've now used them for all our insurance needs over the years, and they’ve always gone above and beyond. Such a great team and genuinely helpful, professional, and always with your best interest at heart. Couldn't recommend them more highly!
We're so grateful for them.
Belinda and Christopher Beukes, Manawatu New Zealand
Ready to Get Started With Your Online Mortgage Application?
Book a free, no obligation online consultation with one of our mortgage advisers by completing the form below, or give our office a call on 021 022 17130. We’ll talk through your goals, assess your options, and give you a clear picture of where you stand. No jargon, no pressure, just straight talking mortgage advice from a team that’s in your corner.