Trusted Mortgage Broker & Adviser across New Zealand
Personal, expert mortgage advice for first home buyers, property investors, self-employed Kiwis, and anyone refinancing, with access to 30+ banks and non bank lenders across New Zealand.
5.0 from 200+ Reviews
Neet Dhiman
Mortgage Adviser
Your local Mortgage Adviser - Based in Hamilton
FSP 1007085
Get personalized mortgage advice
Tailored Lending Solutions
As top mortgage adviser in New Zealand, we help first-home buyers, investors, self-employed Kiwis, and those refinancing find the right lending solutions with access to 30+ banks and lenders. Whether you need your first home loan, mortgage restructuring, or flexible lending options, we provide clear and personalised advice every step of the way.
First Home Buyers
Step-by-step guidance to help you navigate the complex process of buying your first home with confidence.
Refinancing
Unlock better rates or restructure your loan to save money and pay off your mortgage faster.
Property Investment
Strategic advice to grow your property portfolio and maximize your investment returns over time.
Construction Loans
Specialized lending solutions designed specifically for building your dream home from the ground up.
Self-Employed
Designed for business owners, freelancers, and contractors, with flexible lending solutions that consider unique income structures and financial circumstances.
Low Deposit
Get into your new home sooner with low-deposit mortgage options, making homeownership more accessible even if your savings are limited.
Non-Bank Lending
Alternative lending solutions for borrowers who may not meet traditional bank criteria, offering greater flexibility and personalised support.
Partnering Lending Providers
Access over 30+ banks and lenders in one place.
Simple Steps to Get Your Loan in NZ
Our mortgage advisers do the heavy lifting, from comparing lenders to handling paperwork, so you get the best outcome with minimal stress.
Meet Your Mortgage Adviser
Neet Dhiman is a trusted mortgage adviser in New Zealand, bringing extensive knowledge and experience across the property finance landscape. Friendly, approachable, and connected with the local community, Neet is committed to helping clients navigate every stage of their homeownership and investment journey.
Neet assists first home buyers, property investors, and clients looking to refinance their mortgages. Understanding that every client’s financial situation is unique, she takes the time to understand individual goals and provides tailored lending strategies designed to meet current needs while supporting long term financial wellbeing.
Beyond mortgage advice, Neet is passionate about building meaningful relationships and contributing to the community. Whether participating in local and cultural events or connecting with people in the community, she enjoys creating genuine connections and supporting the people around her.
With expertise, care, and personalised service, Neet helps clients make confident and informed decisions when choosing the right mortgage solutions in New Zealand.
Your Trusted Mortgage Experts
Access to 30+ Lenders
We compare hundreds of products from major banks and non-bank lenders.
Free Service for You
In most cases, our service is completely free as we are paid by the lenders.
Expert Negotiation
We know how to present your application to get the highest chance of approval.
Long-term Partnership
We're here for the life of your loan, helping you re-fix and restructure.
Wherever You Are in New Zealand
We work with clients across Hamilton, Auckland, Wellington, Christchurch, and nationwide, providing mortgage advice wherever you are in New Zealand.
What Our Clients Say
Ready to discuss your mortgage?
Book a free, no-obligation consultation with our team today and let's get your financial journey started.
Mortgage Essentials & Insights
Keep up with the newest mortgage news, advice, and Kiwi property insights:
When Should You Refix Your Mortgage in NZ? Timing Strategies for 2026
Home > Your current mortgage rate is coming to an end. You look at the news, see the numbers jumping around, and feel that familiar
Frequently Asked Questions
With a 5.0 rating from 200+ reviews, our clients share their experiences working with Neet Dhiman for home loans, refinancing, and property finance advice. Their feedback reflects the personalised support, clear guidance, and tailored mortgage solutions provided throughout their lending journey.
A mortgage broker in New Zealand helps you find and apply for the right home loan by comparing options across multiple banks and non-bank lenders. Rather than approaching one bank directly, a broker assesses your financial situation, recommends lenders likely to approve your application, handles the paperwork, and negotiates on your behalf all at no direct cost to you in most cases.
In most cases, no. Our mortgage advice service is free for clients as we are paid by the lender once your mortgage is approved and settled. This means you can get expert guidance from Neet Dhiman, compare lending options from multiple lenders, and receive support throughout your home loan journey without paying an upfront fee.
Yes, Neet Dhiman provides mortgage advice as a registered financial adviser in New Zealand. Mortgage advisers in NZ must meet the requirements set by the Financial Markets Authority (FMA) and operate under a Financial Advice Provider licence.
Neet Dhiman provides financial advice through Anytime Finance Ltd, trading as The Mortgage Supply Co. This ensures clients receive mortgage guidance through a compliant and regulated advice process when exploring home loans, refinancing, and property finance options.
We work with over 30 banks and non-bank lenders across New Zealand, giving us a broad view of which lender is likely to offer you the best rate and terms based on your specific situation.
Yes, mortgage brokers are particularly useful for self-employed borrowers because banks often have stricter income verification requirements for business owners and contractors. A broker can help you prepare the right documentation and match you with lenders who are more flexible in how they assess self-employed income.
In New Zealand, most lenders require a minimum deposit of 20% of the property’s value, though some buyers may qualify for loans with as little as 5% deposit through schemes like the First Home Loan. A mortgage broker can help you understand which options you qualify for based on your savings, KiwiSaver balance, and eligibility for government support.
To apply for a mortgage in New Zealand, you’ll generally need proof of income (payslips or tax returns if self-employed), bank statements, identification, and details of your savings, KiwiSaver, and any existing debts. A broker can give you a tailored checklist based on your situation before you apply.
Mortgage approval timeframes in New Zealand typically range from a few days for pre-approval to a few weeks for full approval, depending on the lender and how complete your application is. Working with a broker can speed this up, as we ensure your application is presented correctly the first time and avoid unnecessary back-and-forth with the bank.
You don’t need to meet in person. We work with clients across Hamilton, Auckland, Wellington, Christchurch, and nationwide, and most of our advice and application process can be completed remotely via phone, video call, and email.