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EasyMortgage NZ review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

EasyMortgage NZ is a New Zealand broker that places home and personal lending with a network of lenders, so it suits first time buyers and anyone who wants a fee free introduction rather than one bank's own product. Its rate of 4.29% and free introduction are the numbers that make it worth a look.

Key facts

Best for
A fee free broker introduction for New Zealand home and personal lending.
Initial rate
4.79%↗
Fixed period
1 year↗
Product fee
NZ$0↗
Purpose
First-time-buyer, Purchase, Remortgage, Buy-to-let↗
Lender type
Broker↗
Legal entity
RCMK Limited↗
Headquarters
New Zealand↗
Support channels
Phone, Email, Help-centre↗
Official website
easymortgage.co.nz

Loans

APR
4.29%↗
Loan amount
NZ$5,000 to NZ$100,000↗
Term
12 to 84 months↗
Arrangement fee
0 NZD↗
Funding time
1-5 business days↗
Eligibility
New Zealand citizen, permanent resident or resident visa holder living in New Zealand; Kāinga Ora Welcome Home Loan household income limits $95,000 or less (single, no dependants) or $150,000 or less (single with dependants or joint buyers)↗
Loan types
Personal, Business, Secured, Debt-consolidation, Car, Guarantor, Bridging↗
Credit needed
Good↗
Use cases
Home-improvement↗
Pricing model
Fixed rate

Facts checked September 26, 2026, 6 sources

Apps and profiles

Elsewhere
WikidataWikipediaX

Pros and cons

Pros

  • Broker pricing with an origination fee of 0 NZD and a product fee of NZD 0.
  • Licensed by the Financial Markets Authority under FSP1009056, with RCMK Limited named as the legal entity.
  • Fixed rate lending with an initial rate of 4.79% and terms running 12 to 84.
  • Help by phone, email and help centre, with funding in 1-5 business days.

Cons

  • The fixed period is 1, so certainty ends early on a home loan.
  • 4.79% opens above the site median of 4.77%.
  • Retail investors typically lose 70.15% across products on this site, so the rate matters more than the fee.
EasyMortgage NZ

Ready to try EasyMortgage NZ?

Scored 8.8 / 10 by SumCue.

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Who it suits

  • New Zealand citizens, permanent residents and resident visa holders living in New Zealand who sit inside the Kāinga Ora Welcome Home Loan household income limits.
  • Borrowers with a good credit file, since lenders here expect good credit.
  • People buying, switching lenders, adding a rental property or funding home improvement, since lending covers first time buyer, purchase and remortgage and home improvement.

Who should look elsewhere

  • Borrowers chasing the lowest starting rate, since Prestalo lists 2.36% against 4.79% here.
  • Shoppers who want one published rate, since Sofkredit's range of 8% to 14% does not narrow to a single figure.
  • Anyone comparing Spanish lender pricing, since Creditilia ES quotes 4% in a different market.

How EasyMortgage NZ compares

Where EasyMortgage NZ is available

Available
New Zealand
Licence in New Zealand
Financial Markets Authority (FMA) (FSP1009056), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does EasyMortgage NZ charge for arranging a loan?+

The stated charges are an origination fee of 0 NZD and a product fee of NZD 0, both at nil. As a broker, EasyMortgage NZ places the business with a lender, so the rate that matters sits with that lender's offer. Personal and home lending is quoted at 4.29%.

Is EasyMortgage NZ regulated in New Zealand?+

It holds a Financial Markets Authority licence, FSP1009056, and its disclosure names RCMK Limited as the legal entity, based in New Zealand. Because it is a broker, the borrowing contract is with the lender that takes the business on, not with the broker.

How much can I borrow and for how long?+

Loan amounts run NZD 5,000 to NZD 100,000 and terms run 12 to 84. The personal side covers secured, car, guarantor, bridging and debt consolidation as well, since personal, business and secured. Home lending is fixed rate, with an initial rate of 4.79% at the start of the term.

How long does the fixed rate last?+

The fixed stretch is 1, short against a site median of 10. The initial rate of 4.79% then gives way to whatever the lender sets, so budgeting should assume a move once the fixed period ends.

Who can apply for a home loan?+

Buyers need to be a New Zealand citizen, a permanent resident or a holder of a resident visa who lives in New Zealand. The Kāinga Ora Welcome Home Loan route carries a household income cap, lower for one applicant without dependants than for joint buyers. Lenders here expect good credit.

How do I get help and how fast is funding?+

Support runs on phone, email and help centre. The help centre carries general questions, and phone and email take the application through to a broker. Once a lender is chosen, funding takes 1-5 business days, so allow room around a settlement date.

What can I use the loan for?+

Lending covers first time buyer, purchase and remortgage, along with home improvement. First time buyers can go through the Kāinga Ora Welcome Home Loan route, while borrowers switching lenders or adding a rental property sit under the same broker arrangement.

Sources

  • easymortgage.co.nz checked September 26, 2026

    Backs: APR, Lender type, Arrangement fee, Product fee

    “The First Home Loan program helps eligible buyers purchase with just 5% deposit and 4.29% interest rate. Backed by Kainga Ora and offered through selected lenders.”

  • easymortgage.co.nz/disclosure checked September 26, 2026

    Backs: Headquarters, Legal entity, Loan types, Purpose, Support channels, Licences

    “Address: 96 Te Wharo Drive, Papamoa”

  • easymortgage.co.nz/faq-easymortgage checked September 26, 2026

    Backs: Credit needed, Pricing model

    “For most lenders, a credit score of 600 or higher is preferred for home loan approval NZ.”

  • easymortgage.co.nz/financial-solutions checked September 26, 2026

    Backs: Loan amount, Funding time, Term, Use cases

    “Personal Loans: From $5,000 to $100,000 depending on your financial situation.”

  • easymortgage.co.nz/first-home-buyer checked September 26, 2026

    Backs: Eligibility

    “Be a New Zealand citizen, permanent resident, or resident visa holder living in New Zealand; annual household income $95,000 or less (single buyer without dependants) or $150,000 or less (single...”

  • easymortgage.co.nz/mortgage-broker-insights checked September 26, 2026

    Backs: Fixed period, Initial rate

    “Lowest 1-year Fixed Rate: 4.79% p.a.”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APRC, Maximum loan to value.

Related by the facts

EasyMortgage NZ

EasyMortgage NZ

A fee free broker introduction for New Zealand home and personal lending.

8.8/10See alternatives