Smart mortgage advice for New Zealand families
Better advice. Better options. Better outcomes.
We compare home loan options from banks and non-bank lenders across New Zealand. Based in Christchurch — serving clients nationwide.
21+
Lenders
Christchurch
Nationwide
Our lending partners
We compare options across 21+ trusted banks and lenders nationwide to help you secure the right loan structure for your goals.
Simple Process
From Calculator to Keys in 4 Steps
A straightforward path from first numbers to approved finance.
Our Services
Home Loan Advice For Every Stage
Home loans, asset finance, and business lending — advice for buying, building, refinancing, or growing.
Home Loan Solutions
Tailored mortgage advice for first-home buyers, refinancers, low-deposit options, and Kāinga Ora — every stage of your property journey.
Explore home loans
Business & Specialist Lending
Investment property, construction finance, asset finance, and business lending — structured solutions beyond standard bank products.
Explore specialist lendingNot Sure Where to Start?
A quick conversation can clarify your borrowing position and next steps.
Free Home Loan ChatFree Tools
Mortgage Calculators
Run the numbers before you apply. All calculators are free to use.
Live Rates
Today's Home Loan Rates
| Lender | 2 Year Fixed | 1 Year | Floating |
|---|---|---|---|
Talk to our team
Questions about your home loan options?
Whether you are buying your first home, refinancing, or exploring low-deposit options — a quick chat can clarify your next steps. No obligation, no pressure.
Contact us now
Why Zora Mortgages
Mortgage Advice You Can Rely On
Your Home. Our Commitment. We handle the lender comparison and paperwork so you can focus on finding the right property.
Licensed advice
We're a Financial Markets Authority–licensed Financial Advice Provider (FSP1012583).
Broad lender panel
We work with major banks and selected non-bank lenders so you can compare options in one place.
Local, available nationwide
Based in Christchurch — meetings in person, by phone, or video anywhere in New Zealand.
Straight talk
Clear answers on repayments, deposits, and lender requirements. No jargon, no pressure.
FAQs
Frequently Asked Questions
Common questions about mortgage broking in Christchurch and across New Zealand.
For most borrowers, yes. A broker can show you options from multiple lenders, explain the differences, and manage much of the application work. For standard home loans, you usually pay nothing directly — the lender pays the broker on settlement.