NZ
AU
“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.”
Home Loans in Auckland and across New Zealand
Whether you're buying your first home or your fifth, we find the loan that fits your goals, not just the first approval we can get.
What We Do
A mortgage that works for you, not just the bank
New Zealand has dozens of lenders, each with different rates, terms, and criteria. We do the comparison for you, approaching lenders on your behalf to find the most competitive deal for your specific situation.
From your first enquiry to settlement day, Biju and the Indus Mortgages team handle the paperwork, liaise with lenders, and keep you informed every step of the way.
Working out what a loan actually costs is a sensible first step. Our mortgage repayment calculator shows weekly, fortnightly and monthly figures for any loan amount and rate, and our guide to choosing between a fixed and a floating rate covers the decision most borrowers find hardest.
Start Your Application
Loan Options
We work across all loan types
Fixed Rate
Lock in your interest rate for 1 to 5 years for certainty and consistent repayments. Great when rates are expected to rise.
Floating Rate
Your rate moves with the market. Gives you flexibility to make lump-sum repayments without penalty.
Split Rate
Split your loan between fixed and floating, enjoy rate certainty on part, and flexibility on the rest.
Revolving Credit
Use your mortgage like an overdraft. Pay down faster by putting your income directly into the account.
Offset Mortgage
Link your savings to your mortgage. Interest is only charged on the difference, reducing your total interest paid.
Interest Only
Pay just the interest for a set period. Popular with investors managing cash flow during a property hold.
How It Works
From enquiry to settlement
01
Free consultation
We learn about your situation, goals, and timeline. No obligation.
02
We compare lenders
We approach the right lenders on your behalf and negotiate the best terms.
03
We handle the paperwork
We prepare your application and manage all communication with the lender.
04
Settlement
Keys in hand. We stay with you right through to completion.
What you'll need to get started
- Proof of income (payslips or bank statements)
- Last 3 months of bank statements
- Photo ID (passport or driver licence)
- Details of any existing debts or liabilities
- Evidence of your deposit (savings statements, KiwiSaver balance)
- Sale and purchase agreement (if you have one)
Run The Numbers
Calculators for a home loan decision
Further Reading
Reading on home loan structure
Should you fix your mortgage rate? A 2025 guide for NZ borrowers
How to think about the fixed-versus-floating decision as the Reserve Bank works through its cutting cycle.
Guide to getting pre-approved for a mortgage
What pre-approval is, what lenders look at, and how long an approval lasts once you have one.
5.0 80+ Google reviews
What our clients are saying.
Real reviews from real Auckland families we've helped through their mortgage journey.
“Thanks to Soumya for assisting us to buy our new house. When speaking with Soumya it’s always like talking with a friend. Answers promptly to the calls, though she is busy at times. Highly recommended.”
“Excellent service. They guided us through every step and helped us secure the best option for our home loan. Thanks for the great support, especially for Soumya and Santhosh.”
“Soumya is a very approachable advisor. She did her part very well right from the start. There was regular follow up from her which helped us a lot. All the best to Soumya and the entire Indus Mortgages team.”
“We had a truly wonderful experience with Indus Mortgages as we pursued our dream home. Their friendly approach in discussing the banking process, coupled with their genuine advice, instilled great confidence in our decision.”
“Thank you Indus Mortgages for advising me and helping to land my first home. They are so responsive and patient throughout my journey. I highly recommend Soumya Shine in helping you for advice.”
“We are thankful to Soumya for assisting us to buy our first home. The service provided was excellent. Soumya is always approachable, knowledgable and proactive.”
“I had a great experience with Indus Mortgages. Really helpful for the refinancing of my home loan. Highly recommended.”
“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.”
“Thanks to Soumya for assisting us to buy our new house. When speaking with Soumya it’s always like talking with a friend. Answers promptly to the calls, though she is busy at times. Highly recommended.”
“Excellent service. They guided us through every step and helped us secure the best option for our home loan. Thanks for the great support, especially for Soumya and Santhosh.”
“Soumya is a very approachable advisor. She did her part very well right from the start. There was regular follow up from her which helped us a lot. All the best to Soumya and the entire Indus Mortgages team.”
“We had a truly wonderful experience with Indus Mortgages as we pursued our dream home. Their friendly approach in discussing the banking process, coupled with their genuine advice, instilled great confidence in our decision.”
“Thank you Indus Mortgages for advising me and helping to land my first home. They are so responsive and patient throughout my journey. I highly recommend Soumya Shine in helping you for advice.”
“We are thankful to Soumya for assisting us to buy our first home. The service provided was excellent. Soumya is always approachable, knowledgable and proactive.”
“I had a great experience with Indus Mortgages. Really helpful for the refinancing of my home loan. Highly recommended.”
Ready to find your home loan?
Book a free, no-obligation consultation with Biju today. We'll walk you through your options and find the right fit.