Mortgage advisers · Since 2013
Advice tailored to your goals, with a plan for what comes next.
Home loans and property finance for first-home buyers, investors, developers, and business owners. Whether you’re buying, building, refinancing, or upgrading, we compare lenders, tailor your loan structure, and support you long after settlement.
What we offer
Where are you on your property journey?
My fixed rate is ending
Refix, switch lenders, or restructure? We help you weigh it up.
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I'm upgrading my home
Buy first or sell first, arrange bridging finance, or keep your current home as a rental property.
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I'm growing a portfolio
Structure, equity and cash flow for your next purchase and the one after.
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I'm buying my first home
Deposit, KiwiSaver, pre-approval, and what you can borrow.
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I'm developing property
Funding for residential and commercial projects, from feasibility to completion.
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I'm buying commercial property
Offices, retail and industrial, for your own business or as an investment.
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30+
lenders on our panel
Including major banks and non-bank lenders, giving you access to more options than a single bank can offer.
WHY PROSPERITY FINANCE - SINCE 2013
We look at the whole picture, not just the numbers.
We take the time to understand your goals and circumstances, then structure lending that supports both your needs today and your plans for the future.
Smarter loan structures for today and tomorrow
We match the right lender and loan structure to your goals and cash flow, then give you a written plan explaining why.
With you from approval to settlement
We help you assess properties against your finance approval and guide you through offers, contract conditions, and key decisions along the way.
Still here after settlement
We review your loan before each fixed rate expires and whenever your plans or circumstances change.
The right professionals around you
We flag when tax, legal, or insurance advice may be needed and can connect you with trusted professionals.
HOW WE GET PAID
In most cases, our advice won't cost you anything.
In most cases, we are paid a commission by the lender when your loan settles, so our advice and support come at no cost to you. In some situations, a fee may apply. Our public disclosure explains how we are paid, when fees may be charged, and how we manage potential conflicts of interest.
GOOGLE REVIEWS
Hear from the people we've helped.
Every review is published directly on our Google Business Profile and reflects the genuine experience of our clients.
HOW IT WORKS
A clear process from your first questions to settlement, and beyond.
A Free 15 to 30 Minute Conversation
We prepare and submit your application
We guide you through to settlement
We review your loan as life changes
OUR COMMITMENTS TO YOU
What You Can Expect From Us.
Caring
We treat your application like our own and look for ways to save you money.
Being Trustworthy
We act in your best interests and do what we say we'll do.
Brilliant at the Basics
Experienced, knowledgeable, and always learning.
Empowerment
Clear, jargon-free explanations that help you make informed decisions.
Customer Centric
Proactive updates and support every step of the way.
Relationship Focused
Here for your next home, investment, refinance, and beyond.
Ready to talk about your plans?
TOOLS AND GUIDE
Answers to help you make confident borrowing decisions.
Mortgage repayment calculator
See how the rate, term and repayment frequency change what you pay.
Refix calculator
Compare two fixed terms and see your break-even rate.
Guide
How do New Zealand banks value your house for a mortgage?
FAQs
Your home loan questions, answered
TALK TO AN ADVISER
Tell us about your plans, and we'll be in touch within one working day.
Prefer to talk now? Call 09 930 8999, Monday to Friday, 9am to 5:30pm, or visit us at 112C Bush Road, Rosedale, Auckland.
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