NZ
AU
Auckland-based mortgage advisers, working across New Zealand.
From Three Kings to the far North and down the South Island, we've helped hundreds of New Zealand families secure better rates, smoother settlements, and loans that actually fit their lives, not just the bank's criteria.
More than a broker.
A partner invested in your outcome.
Biju and Soumya didn't just study the New Zealand property market. They've been buying, holding, and managing property here since 2003. When you sit down with Indus Mortgages, you're getting advice from people who've been where you are and know exactly how to get you where you want to be.
Most New Zealanders walk into their bank, take whatever rate they're offered, and walk out leaving thousands on the table. We approach 20+ lenders on your behalf, negotiate harder than you'd expect, and handle every piece of paperwork along the way.
Explore home loans
13+
Years of experience
In accounting, taxation and finance.
Ready to find out what you can borrow?
No obligation. No bank jargon. Just an honest conversation about your options.
Get in touchAccess to 20+ of New Zealand's leading lenders
Getting a mortgage sorted shouldn't feel like a second job.
Whether you're a first home buyer figuring out KiwiSaver and low-deposit options, a growing family needing more space, or a savvy investor building your portfolio. We've done this many times before.
We take the stress off your plate entirely. One conversation, and we handle the rest: lender comparison, application, documentation, and settlement.
Free consultation
We get to know your situation, goals, and timeline. No forms, no obligation.
We approach the market
We compare 20+ lenders and negotiate the most competitive deal available to you.
We handle the paperwork
Your application is prepared and managed end to end. You focus on finding the home.
Keys in hand
We stay with you all the way through to settlement, and beyond.
“Soumya from Indus Mortgages made my first home-buying experience smooth and stress-free. She explained everything clearly, kept me updated at every step, and went above and beyond to secure the best deal.”
The right loan for your situation, not ours.
Finding a home is exciting. Navigating the lending market shouldn't be overwhelming. We tailor every recommendation to what actually works for your life.
Start your applicationFirst Home Buyers
Navigating KiwiSaver, the First Home Loan, and low-deposit options so you don't have to go it alone.
Refinancing
Your circumstances have changed. Your mortgage should too. We find you a better deal without the drama.
Investment Loans
Building a property portfolio anywhere in New Zealand? We understand investor lending and structure deals accordingly.
Home Loans
Fixed, floating, split, revolving credit. We compare every option across our panel to find your best fit.
Self-Employed
Bank declined because you're self-employed? We know which lenders look beyond the payslip.
Construction Loans
Building new or renovating? Progressive draw-down funding structured to keep your project on track.
Serving Three Kings, greater Auckland, and families right across New Zealand
Stop overpaying on your mortgage. Let us fix that.
A free consultation costs you nothing. A bad mortgage rate costs you thousands every year. Book in with Biju or Soumya today, no pressure, no obligation, just straight answers.
Meet the experts
Based in Three Kings, Auckland. Available right across New Zealand.
Property and mortgage insights for New Zealanders
Guide to getting pre-approved for a mortgage
Learn the steps to secure pre-approval and confidently start your home-buying journey.
Read the pre-approval guideStay ahead of the market
Join New Zealanders getting our monthly mortgage and property update, no spam, just useful.
What NZ first home buyers actually need for a deposit
How much you really need, and the low-deposit options most buyers don't know about.
KiwiSaver first home withdrawal: what you actually get
What you can withdraw, what you must leave in, and how it fits your deposit.