The Simpler Mortgage Company & Finance Brokers In New Zealand

Whether you’re buying a home, investing in property or looking to protect your assets - we’re here to make it simpler.

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Talking to a Simpler Mortgages Advisors won't cost you a penny


Lowest interest rates

Because we’re doing the banks job for them, they pass on those interest rate savings to you.

Simpler Free Service

Free Service

You don't pay us a cent, we get paid by the bank for doing their work and bringing you the best deal.


Best advice

We’ve worked within the banking industry for over a decade, so we know how to navigate them to get our clients the best outcomes.

Simpler NZ


We work with clients all over the country, all our processes are online and we’re pretty much always available.

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First Home Buyer

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Property Investing

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Review your mortgages

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Mortgage Calculators

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Start Working With the Best Mortgage Broker Nz & Advisor

We have best mortgage brokers all across Nz that will work with you to understand your financial situation and guide you through the mortgage process, help you find the best mortgage products and rates available. By working with our Home Loan Brokers, you can feel confident that you are making the right financial decision and securing the best deal possible. One of the best things about Simpler is that our entire process is done online! There is no need to leave the comfort of your home, make an appointment with our Online Mortgage Brokers or wait in any lines. This is what truly makes our process simpler than any others.

Finding a mortgage broker can be a smart move for those who are looking to buy a home or refinance an existing mortgage. We are proud to have some of the best mortgage advisor Auckland New Zealand on our friendly and professional team. Our team of finance brokers can help your businesses to navigate the complex world of finance and achieve financial goals.. No matter where you’re based, our team is here to help you!

Sebastian Pierce

Sebastian Pierce

Director and Financial Advisor.

Seb has dedicated the last decade of his professional life to the banking/ finance world. He’s a previous Commercial Manager at ASB Bank, where he pioneered digital banking solutions for shared home ownership, a relatively new concept to NZ.

With a Bachelor's degree in Finance, and a Masters of Engineering Management, Seb is often referred to as the Financial Engineer. He understands the ‘ins’ and ‘outs’ of banks and their processes, tax efficient loan structures and knows how to find his clients the best possible deal.

Seb loves talking shop, whether investing in the markets, or property, so take the time to get in touch.  Find out how he can help you on your path to a more informed financial future.

What our clients have to say

Online Application Process

Get to know you

Step 1

Our online application process starts with a fact find. It helps us understand your goals and financial position to start framing some simpler financial advice for you.


Step 2

Once you have completed the online fact find, we will schedule in a time to have a chat - We will run over some high-level numbers, ask and answer any questions and request some supporting documents that we need to submit an application to the bank.

Review and recommendation

Step 3

Once we have your supporting documents, we put together a full application, explore all of your options with different banks and lenders and provide you with our recommendation.


Step 4

Once you have all the information to make an informed decision, we will then apply to your chosen provider with the best application possible to ensure a fast and efficient approval.

House purchase/ refinance

Step 5

If you are purchasing a house, you can look with confidence knowing exactly what you are able to purchase for. We will assist you during this time, providing you with valuations on potential properties, assisting you with your due diligence and answering any questions you may have.If you are refinancing/restructuring, we will get all the documentation ready for you.


Step 6

Once all the documentation is done and settlement has been completed, we will actively manage your mortgage and review it every 6-12 months to make sure it is still working for you and your goals.

Apply Online

Mortgage Repayment Calculator

Use the simpler mortgages calculator to calculate your mortgage payments.

When banks calculate what you can afford to borrow which is known as your borrowing power, they use additional criteria and an alternative interest rate known as a ‘test interest rate’.


Loan Amount:
Enter the loan amount you are considering.

Rate: Enter your expected interest rate.

Term: Enter the number of years you want your mortgage paid off.

Loan Type: Principal & Interest loans are structured so you repay both the interest and principal, reducing your loan balance. Interest-only loans only charge interest, so your mortgage balance remains static.

Payment Frequency:
We suggest to pay your mortgage fortnightly, as more frequent repayments, reduce the total interest paid over the longer term.

Our Blog

October 20, 2023

Things That Can Stop You From Getting a Mortgage

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October 20, 2023

Expert Tips for Buying an Investment Property

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March 17, 2023

The Value Of A Mortgage Broker In New Zealand: Simplifying The Home Buying Process

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Talk to an advisor today

Great advice matters. Let us help you with a free, no obligation review.

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