Simplifying Your Mortgage Journey

Find a B e t t e r Loan for Your Needs

Welcome to Better Advice, your trusted partner for assessing and comparing financial loans. Our committed team of specialists have a range of loan options in conjunction with your present financial standing, all aimed at assisting you in reaching your financial objectives.

Our Services About Us

We are dedicated to providing you with valuable services that simplify your loan search and empower you to make informed borrowing decisions. Our comprehensive range of services

Loan Reviews

When was the last time someone thoroughly reviewed your loans...

Loan Refinancing

Paying more interest than you should? It might be time...

First Home Buyers

Buying your first home is exciting — but it can...

Home Swap

Upgrading or downsizing? We help you secure your next home...

Top-up Loans

Need extra funds for renovations, education, or debt consolidation? A...

Commercial Investors

Investing in commercial properties—whether office buildings, retail spaces, or industrial...

House Developers

Developing residential properties requires strategic planning, the right financing, and...

Oversea Investors

Looking to Invest in New Zealand Property from Overseas? Whether...

Business Loans

Whether you're expanding operations, purchasing new equipment, or managing cash...

Why Choose a Broker Over a Banker?

At Better Advice Finance, we put your interests first—not the bank’s. With access to a wide range of lenders, flexible meeting options, and exclusive rates, we make it easier to find the right loan for your needs. Our strategic advice helps you plan for the future, and best of all, our service is typically free. Even bankers turn to brokers when they need more options—shouldn’t you?

Your Interest First
More Flexibility, Less Hassle
Wider Lender Access, Better Comparisons
Exclusive Rates & Negotiation Power
Strategic Financial Advice
Even Bankers Come to Us
Typically No Cost to You*
Support beyond Settlement

At Better Advice Finance, your satisfaction matters. We’re proud to offer a high standard of service, but if you feel we’ve fallen short, we want to hear from you. Simply tell us what you’re not happy with, and how we can improve. As a thank-you for your feedback, we’ll send you a $200 Prezzy Card.

About Us

Turning Complex Financial Journeys into Stress-Free Success Stories

Expertise & Objectivity

With years of experience in the financial industry, we offer expert advice and insights that help you make confident financial decisions.

Wide Lender Access

We work with New Zealand’s main banks, non-banks, financial institutions, and private lenders to offer you more choice and better deals.

Personalised Solutions

We tailor loan structures and financial strategies specifically to meet your personal or business goals.

Client-Centric Service

We take the time to understand your needs to ensure a smooth, street-free experience.

At Better Advice Finance, we’re connected with over 30 lenders across New Zealand, including almost all the main banks and a wide range of non-bank institutions. But we don’t stop there — we also work with private lenders, giving you access to flexible solutions when traditional lending criteria don’t fit. Whether you’re a first home buyer, investor, business owner, or developer, we help match you with the lender that best suits your needs — with the right structure, rate, and policy.

We’re proud of the work we do and the relationships we build with our clients. Here’s what some of them have to say about their experience with us: (Please note that while some names have been altered to protect privacy, the accounts remain authentic.)

My partner and I were in an unique situation—I was relocating from a bank job in Wellington to Auckland, and we urgently needed to purchase our first home. On top of that, we were living separately at the time, which made things a bit more complicated. Our Broker Ryan Liu guided us through the entire process and helped secure the home we wanted with the best loan terms. We were able to move in together without any delays, and everything went incredibly smoothly thanks to his dedication.

Mark Young

Loan Specialist in a main bank

I own four restaurants in Wellington and was facing some financial challenges. I approached another lender to refinance my business and home loans, but after paying some fees, my problems were still unresolved. I then contacted Better Advice Finance, and they quickly identified the right solution. Ryan, the director, helped me consolidate my business and home loans into one manageable loan with much better terms. Thanks to Ryan, I was able to save money and resolve my financial concerns. Highly recommend his expertise.

Johny Yeung

Restaurants Owner

I’m a property investor, and I was facing a critical situation with my investment property in Lake Tekapo. I urgently needed a second-tier loan to cover my situation and prevent a potential mortgage sale of my farm in Auckland. Ryan not only helped me secure the right loan but also referred me to an excellent agent who sold my farm at a good price in a tough market. Thanks to his quick thinking and strong network, I was able to avoid a financial disaster and get back on track.

Hellen Lau

B & B Owner

My business partner and I own three motels, and recently we were involved in a business conflict with our landlord. We needed to sue for compensation of around $3 million dollars, but our motel business was not generating income during the legal process. We couldn’t find a bank willing to help with a top-up for the legal fees. Ryan came to the rescue and helped us finance against my business partner’s property on Māori land, allowing us the funds to fight for our legal rights. Thanks to Ryan’s resourcefulness and understanding, we now have the necessary funds to proceed with our case.

Jane Suen

Motel Business Owner

We've compiled a list of frequently asked questions to provide you with quick and helpful answers.

This depends on your income, expenses, deposit size, credit history, and the lender’s criteria. We assess your financial situation and provide a borrowing estimate upfront.

Typically, you'll need proof of income (payslips or financials if self-employed), bank statements, ID, and details of your deposit. We guide you through the exact requirements for each lender.

Yes — we specialise in supporting clients with foreign income or living overseas, and work with lenders who accept international documents and flexible structures.

Fixed rates give you certainty over repayments, while floating rates offer flexibility (e.g., early repayment). We help you choose or blend both, depending on your goals.

Refinancing is switching your loan to another lender for a better rate, structure, or cashback offer. It may help lower repayments, shorten your loan term, or unlock equity.

Yes — we provide tailored loan solutions for commercial properties and business lending. Every scenario is custom-assessed based on income, structure, and purpose.

Yes — depending on your situation, some banks offer loans with as little as 5–10% deposit, particularly for first home buyers or with family support.

If you have enough equity, you can apply to borrow extra through a top-up on your existing home loan. It’s often used for renovations, investments, or large expenses.

In most cases, our service is free — we’re paid by the lender once your loan settles. If a fee applies (e.g., for complex lending or wholesale clients), we’ll let you know upfront.

Pre-approval usually takes a few business days. Full approval depends on your situation, but we work proactively with lenders to keep things moving smoothly.