Anyone can find you a rate. The work is understanding what you are trying to do, which lender's rules fit that, and what each option costs you over the years you will actually hold the loan.

A written plan before you commit

You get it in writing. Which lender, why that one, how the loan is structured, and what it costs. You make the decision, not me.

A straight answer, including no

If the answer is that you are not ready yet, you will hear that in the first conversation rather than after a declined application.

How this works

Share your situation Send through the basics. Income, what you own, what you owe, and what you are trying to do. No application, no credit check.
First conversation Fifteen to thirty minutes. What is achievable, what is not, and what would need to change.
A written plan Which lender, why, how the loan is structured, and what it costs. In writing, before anything is submitted.
Application and lender coordination I prepare it, present it, and handle the back and forth. You are told what is happening rather than left to chase it.
Settlement and review Once it settles we set a review point. The structure that suited you at settlement often does not suit you two years later.

What to Do When You Only Have One Year of Accounts

Most main banks want two full years of financial statements before they'll lend to a self-employed borrower, so with only one year you'll find the mainstream door is often closed, or only open a crack. But one year is not a dead end. Some lenders will consider a single year of accounts, particularly with a strong result, an accountant's support, and evidence the business is stable. Beyond that, tier-two and non-bank lenders specifically assess self-employed borrowers through

Pre-Approval vs Unconditional Approval, and Why the Difference Matters

Pre-approval and unconditional approval are not the same thing, and confusing them can cost you your deposit. Pre-approval is a lender saying "we'll likely lend you up to this much, if the property stacks up and nothing changes." It's conditional, and it usually lasts 60 to 90 days. Unconditional approval is the lender formally committing to fund a specific property after every condition is met.

How Lenders Assess Self-Employed Income in New Zealand

If you're self-employed, lenders don't look at your revenue or what you draw from the business. They start with the net profit in your finalised financial statements, cross-checked against your IRD records, then adjust it. The catch is that the same accounting discipline that keeps your tax bill down also makes your income look smaller to a bank, so a contractor really earning $150,000 can appear to earn $90,000 on paper. Add-backs recover some of that, but different lenders

Recent insights...

Where do you want to start?

Send through your situation and you will get a straight answer on whether it works, what it would take, and what I would do next. No application, no obligation.

Mortgage and finance advice across New Zealand

​Where people usually start

What you get

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