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 adviser 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, an adviser 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 advisers are particularly useful for self-employed borrowers because banks often have stricter income verification requirements for business owners and contractors. An adviser 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 adviser 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. An adviser 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 an adviser 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.