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Talk to Patricia
MORTGAGE ADVISER NEW ZEALAND

Buying a home is a big step. We make the mortgage the easy part.

Buying your first home? Thinking about moving? Or wondering whether your current mortgage could be working better for you? Whatever the answer, we’ll compare most of NZ’s lenders and find what’s right for you.
Book a chat with Patricia
  • First Homes
  • Low Deposits
  • Refinancing
Patricia Pfab Mortgage Adviser

What can we help you with?

Buying your first home

Not sure how much you can borrow, how KiwiSaver fits in or where to begin? Let’s look at where you are now and work out your next step.

Plan My First Home

Reviewing your mortgage

If your fixed rate is ending or your mortgage no longer fits your life, let’s take another look at it. We can talk about your plans and whether a different mortgage structure or lender may suit you better.

Review my mortgage

Building or renovating

Construction lending has a few more moving parts. We’ll explain how it works, help with the application and guide you through the lender’s requirements.
Talk about my plans

Buying your next home

Moving can be tricky when you’re selling, arranging finance and trying to make all the dates line up. We’ll help you understand your position and make a plan before you make an offer.
Help me plan my move

Your first home could be closer than you think

Don't have a 20% deposit?

You may only need 5%

We specialise in helping people buy with a low deposit. You don’t always need to save 20% before you start looking at your options.

  • Low-deposit lending
  • Kāinga Ora First Home Loan
  • Shared ownership options
See What's Possible For Me
A modern brick and weatherboard New Zealand family home with rolling hills behind it
The Face Behind Simple Loan

Hi, I'm Patricia

Patricia Pfab, mortgage adviser at Simple Loan, helping first home buyers with low deposits

I believe mortgage advice should feel like a helpful conversation, not a finance lesson.

You can ask me anything. I’ll listen, explain things in everyday language and be honest about what looks possible.

I’ll handle the back-and-forth with the lender and keep you updated, so you don’t feel as though you’re chasing everyone yourself.

I’m a registered financial adviser, and helping first-home buyers is the part of my job I love most.

I’m based in Pāpāmoa and help clients throughout Tauranga, the Bay of Plenty and across New Zealand.

Let's Have A Chat
Patricia Pfab, mortgage adviser at Simple Loan, helping first home buyers with low deposits

Today's best home loan rates

Lowest advertised special rate per term across NZ's main banks

6 months fixed 4.79% ANZ · ASB
1 year fixed 4.99% ANZ · ASB · TSB
2 years fixed 5.29% Westpac · SBS Bank
3 years fixed 5.59% ANZ · ASB · BNZ · Westpac · Kiwibank · SBS Bank

Rates last updated: 24 October. Advertised special rates, minimum 20% equity, terms & conditions apply.

See all interest rates

Why Choose Us?

We work with most lenders

We compare home loans from 15+ lenders to find the right loan for you.

We negotiate for you

We negotiate rates and terms with lenders every day, and we do it for you.

With you every step

We guide you through the whole journey, from first chat to settlement day.

We work with New Zealand's leading lenders

ANZ logo, one of the lenders Simple Loan compares for first home buyers
ASB logo, one of the lenders Simple Loan compares for first home buyers
SBS Bank logo, a First Home Loan lender Simple Loan works with
Westpac logo, a First Home Loan lender Simple Loan works with
TSB logo, one of the lenders Simple Loan compares for first home buyers
Kiwibank logo, one of the lenders Simple Loan compares for first home buyers
YouOwn logo, the shared ownership provider Simple Loan works with
BNZ logo, one of the lenders Simple Loan compares for first home buyers
Heartland Bank logo, one of the lenders Simple Loan compares for first home buyers
We love hearing from you

Frequently Asked Questions

Quick answers to the things people ask us most.

How much deposit do I need for my first home?
Usually 20% of the purchase price, but it can be much less. Depending on your situation, some lenders accept as little as 5%, for example through the Kāinga Ora First Home Loan. Low-deposit lending is one of our specialties.
Nothing. Our service is completely free for you, because the lender pays us once your loan settles. You get advice, lender comparison, and support through the whole process at no cost.
Your bank can only offer you its own products. We compare home loans from most of New Zealand’s lenders, negotiate on your behalf, and recommend what’s best for you, not for any one bank.
Once your documents are in, most lenders take a few working days to a couple of weeks, depending on how busy they are. We prepare your application properly the first time, which helps avoid delays.
Yes, in most cases. If you’ve been in KiwiSaver for at least three years, you can usually withdraw most of it for your first home deposit. We’ll walk you through exactly how it works.
A “no” from one lender doesn’t mean no everywhere. Lenders assess things differently, and we know who is most open to which situations. If now isn’t the right time, we’ll give you an honest plan to get there.
As a general rule, you’ll need a residence class visa, or to be a New Zealand or Australian citizen. If you received your resident visa straight away when you moved here, different timing rules can apply than if you transitioned from a work visa. We’ve helped many migrants into their first Kiwi home, so we’ll happily check what applies to you.
It depends on your visa and the lender. Some first-home buyers can purchase as soon as they have residency, others need to have lived here for around a year first, and banks also want to see some NZ income history. We work with migrants all the time, so book a chat and we’ll map out your timeline together.

Let's get in touch