01
Five years inside the banks
I’ve spent five years approving and structuring lending from the bank’s side of the desk. That insider view now works entirely for you.
Independent · Base Mortgages · FSP1012855
Your trusted guide to the New Zealand property market.
Helping first home buyers, families, investors and homeowners make smarter mortgage decisions with confidence.
$
Free advice, always.
My service costs you nothing — the bank pays me for arranging your lending. Full disclosure before you sign.
25+
5‑star Google reviews
100s
Clients helped
5+
Years experience
Rated 5.0 across 25+ Google reviews
Registered Adviser
Vincent Uys
FSP1012855
Under FAP
Base Mortgages
FSP1011808
Operating under licence of Base Mortgages
FSP1012855
Registered Financial Adviser
5.0 · 25+ Google reviews
100s of clients helped
5+ years in residential lending
Whole‑of‑market lender access
Free to you — the bank pays my fee
Operating under licence of Base Mortgages
FSP1012855
Registered Financial Adviser
5.0 · 25+ Google reviews
100s of clients helped
5+ years in residential lending
Whole‑of‑market lender access
Free to you — the bank pays my fee
Savings Estimator
Could you be paying less each month?
Compare your current mortgage against a potential new rate. Everything runs in your browser — no details are captured.
Mortgage calculator
Enter your current loan details and a rate to compare.
Current monthly payment
$4,615
At 7.05% over 25 years
New monthly payment
$4,328
At 6.35% over 25 years
Estimated monthly saving
$287
per month
Per year
$3,440
Over the loan
$86,010
Estimates only. Assumes a table‑loan, no fees and unchanged rate. Your actual savings depend on lender policy, break costs and loan structure. Talk to Vincent for a personalised assessment.
Why choose Vincent
The reasons Kiwis choose to work with me.
Every decision I make on your behalf is guided by one thing: what actually helps you secure the right loan, at the right terms, from the right lender — without stress.
02
Whole‑of‑market access
Accreditation with every major NZ bank plus specialist non‑bank lenders. I compare, you choose.
03
Free advice, always
You never pay me. The bank pays a commission for arranging your loan — fully disclosed before you sign.
04
Straight talk, no jargon
You’ll understand every number and every clause. No pressure, no upsell, no fine print surprises.
05
Fast, prepared applications
I package your file the way lenders want to see it, so approvals move quickly and cleanly.
06
An adviser for the long term
I review your lending every fixed‑term rollover — your mortgage keeps working long after settlement.
Credentials
FSP number
FSP1012855
Operating under FAP
Base Mortgages · FSP1011808
About Vincent
Five years inside the banks. Now on your side of the desk.
Most home‑loan conversations happen in a language borrowers don’t speak. I’ve spent five years inside New Zealand’s major banks — assessing, approving and structuring hundreds of residential loans. I saw exactly why some applications sail through and others quietly die in a queue.
As an independent adviser, I use that insider view to prepare, negotiate and structure lending across the market on your behalf. The result is fewer surprises, better rates, and lending that fits how you actually live — not a template built for the bank’s spreadsheet.
- Qualified in Financial Management — with 5+ years focused on residential lending.
- Worked across several of New Zealand’s major banks in home lending and credit.
- Approved and supported hundreds of applications from the bank side of the desk.
- Now independent — comparing lenders across the market, not selling one bank’s book.
“Mortgages are about people, not just numbers.”
What I do
Lending advice for every chapter of the journey.
Six focused areas of residential lending. Choose the one closest to where you are today — explore in depth, or start a conversation.
Buying your first home
First Home Buyers
From KiwiSaver to keys — a first home, made straightforward.
Buying your first home in New Zealand is one of the most significant financial decisions you’ll ever make. I’ll guide you through KiwiSaver withdrawal, the First Home Grant, Kāinga Ora options, pre‑approval, and structuring an offer lenders will back.
- KiwiSaver + First Home Grant. Understand exactly how much you can withdraw, whether you qualify for the grant, and how it affects your deposit.
- Low‑deposit lending. Options for 5–10% deposits including Kāinga Ora First Home Loan and lender‑specific low‑deposit programmes.
- Pre‑approval that wins. A pre‑approval structured so you can offer with confidence at auction or by tender.
- Coach through every step. Offer strategy, solicitor introductions, insurance timing — you’ll never wonder what happens next.
How we’ll work together
A calm, four‑step process. No surprises.
Home loans should feel considered, not chaotic. Here’s exactly how a project with me unfolds — from first hello to the years after settlement.
- 01Step 1 of 4
Discovery call
30 min · free
A relaxed conversation about your goals, timeline and financial picture. No jargon, no pressure.
- 02Step 2 of 4
Strategy & lender match
Within 2 business days
I compare lenders across the market and design a lending structure tailored to your income, deposit and life plans.
- 03Step 3 of 4
Application & approval
Typically 5–10 business days
I prepare your file the way lenders want to see it, submit, and negotiate rate, cashback and structure on your behalf.
- 04Step 4 of 4
Settlement & beyond
Ongoing
Fixed‑term reviews, restructures and future purchases — I’m your adviser for the life of the loan.
Mortgage myths
The stories Kiwis believe — and the truth behind them.
The mortgage world runs on old advice and half‑truths. Here are the ten questions Kiwis ask me most — answered plainly.
The Fact
“Do I really need a 20% deposit?”
Vincent’s take
No. Many lenders will consider first home buyers with 10% — and sometimes 5% — by combining KiwiSaver withdrawal, the First Home Grant, and specialist low-deposit programmes like the Kāinga Ora First Home Loan.
Client stories
Testimonials from Kiwis in their own homes.
“Vincent helped us buy our first home — he coached us through the entire process. 100% recommended.”
Sarah & James
First Home Buyers · Auckland
“Expert advice, excellent communication and in‑depth banking knowledge made the mortgage process smooth and stress‑free.”
Michael K.
Refinance client · Wellington
“Vincent made buying our home from Auckland incredibly easy. Communication was outstanding — always informed, everything explained. Highly recommend.”
Priya & Aman
Homeowners · Napier
Verified reviews
Google Reviews — straight from clients.
Verified client
a week ago
Vincent was outstanding from start to finish. He took time to understand our situation and got us a better rate than we could find ourselves.
Verified client
a month ago
Made the whole refinance process incredibly easy. Explained everything in plain English and negotiated a great deal for us.
Verified client
a month ago
As a self-employed borrower I'd been declined twice. Vincent went to the right lender and had us approved in a week.
Verified client
2 months ago
Genuinely felt like Vincent had our best interests at heart. Zero pressure, endless patience with our questions.
Verified client
3 months ago
Bought our first home thanks to Vincent's coaching on First Home Grant + KiwiSaver. Would send anyone his way.
Verified client
4 months ago
Professional, prompt and honest. Restructured our lending and saved us a real amount each month. Highly recommended.
Latest videos
Watch, learn, decide with confidence.
Short, jargon‑free videos explaining how New Zealand lending really works — in the time it takes to make a coffee.
First Home8:42
How to buy your first home in New Zealand in 2026
Watch on YouTube
First Home6:18
Using KiwiSaver + First Home Grant — the right way
Watch on YouTube
Refinancing5:31
Fixed rate rolling off? A 4‑step review
Watch on YouTube
Investment7:04
DTI rules explained — what they mean for you
Watch on YouTube
Latest articles
Understand the market before you enter it.
Plain‑English guides on pre‑approval, DTI, refix strategy and more — written from inside the New Zealand lending market.
First home buyers01
How mortgage pre‑approval actually works in NZ
A pre‑approval isn’t just a number — it’s a conditional offer from a lender. Here’s what banks actually check, how long it lasts, and why yours might be worth more than you think.
4 min read
Read articleInvestment02
What the new DTI rules mean if you own — or want to own — property
Debt‑to‑income limits reshape how banks assess borrowers. A clear explainer on the numbers, exemptions and how to structure lending under the new rules.
6 min read
Read articleRefinancing03
Fixed term rolling off? A 4‑step review to save thousands
Don’t let your bank auto‑roll you onto the standard rate. A short framework I use with clients to review, restructure and re‑price at every roll‑over.
5 min read
Read articleStart the conversation
A 30‑minute call could reshape your next decade.
No cost, no obligation, no jargon. I’ll listen first, ask the right questions, and give you a clear next step — whether that’s working together or not.
Free to you. The bank pays me for arranging your lending — fully disclosed before you sign a thing.