Mortgage and
Property Finance
Nationwide mortgage brokers helping New Zealanders buy, build and invest with confidence.
19 lenders
15 Years Experience
Nationwide
5.0★ Google Reviews
OUR SERVICES
Wherever you are in the property journey, we've been there with someone before.
The thinking that gets a first home buyer across the line is different to the thinking that grows a multi-property portfolio. We do both, and everything in between.
Property Investors
We’ll help you grow and structure your property portfolio, from your first to your last.
Building or Renovating
We’ll help you finance a new build or renovation, and keep the numbers on track.
Refinancing or Restructuring
We’ll review and restructure your existing lending to free up equity or cashflow.
Commercial Property
We’ll help with commercial property finance and make your deals bankable.
Non-bank or Low Doc
We’ll find lending options when you sit outside main bank criteria.
"Property isn't just a transaction. What you buy today can shape what's possible for years to come."
- Cody Subritzky.
Our process
From first conversation to long-term support.
01
Disclosure
Before anything else, Cody sends you his Financial Services Disclosure Statement. It covers who he is, how he’s paid, any conflicts of interest, and how to raise a concern if you ever need to. Read it, ask questions, decide whether to proceed. No pressure.
02
Discovery
You share a few details about your situation before we meet, so the call is useful from the first minute. Then we talk — a 30-minute conversation where you tell us where you are and what you’re trying to do. We listen, ask the right questions, and tell you honestly whether we can help. Free, no commitment.
03
Strategy
We look at how the lending fits your broader position — income, plans, risk, and what you’re building over time. Then we work across our lender panel, comparing rates, structure, serviceability, and lender appetite, and come back with a clear recommendation and the reasoning behind it.
04
Action
We run the application end-to-end — organising paperwork, valuation, and conditions. We work alongside your accountants, valuers, and agents to spot problems early and keep the deal moving.
05
Settlement
The deal closes. Cody walks you through your loan terms, repayment schedule, and what to expect next. You leave knowing exactly where you stand.
06
Support
Our relationship doesn’t end at settlement. We stay in touch as your situation changes, flag fixed terms before they roll, and keep an eye on your equity as it grows. We’re built for the long run.
FAQs
The questions we get asked most
Why should I use a mortgage broker instead of going to my bank?
Because a broker works across the whole market, your bank only works across its own. Your bank can offer its own products. We work across a large panel of lenders, both banks and non-banks, so you’re not limited to one set of rules. There’s a timing difference too: banks tend to engage once you’re bank-ready, while we can start months or even years earlier, getting you into shape before you apply.
Does it cost anything to use a mortgage broker?
In most cases, nothing. We’re paid a commission by the lender when your loan settles, so for most clients there’s no direct fee from us. Our Financial Disclosure Statement outlines the rare instances where a fee may apply, and we’d always talk that through with you upfront.
When should I talk to a mortgage broker?
Earlier than most people think, ideally before you start looking at properties. Whether you’re buying your first home, planning your next investment, building, or coming up to the end of a fixed term, the sooner we talk the more we can do for you. Getting in touch early gives us time to look at your situation properly, work out what’s possible, and set things up the right way before you’re under pressure. There’s no cost to talk to us, so even if you’re just weighing up options, it’s worth reaching out.
Can I get a mortgage if I'm self-employed or have complex income?
Yes. If your combined income across all sources can meet the bank’s servicing test, we can find a lender to suit. Self-employed and high-complexity deals are exactly the kind of work we do, whether you’re a contractor, run your own business, or have income spread across a few sources. The key is showing your income clearly, then matching you to the lender most comfortable with your situation.
What is pre-approval and how does it work?
Pre-approval is a conditional commitment from a lender to lend you up to a certain amount. It’s based on your income, expenses, deposit, and credit, and it gives you the confidence to make offers knowing roughly what you can borrow. Full unconditional approval comes later, once all the conditions have been met, which often includes property-specific checks like a valuation or LIM. Pre-approval typically lasts three to six months. Changes during that window, like a new job or new debt, can affect the final approval, so we’ll walk you through what to watch for.
How long does the mortgage process take?
Assuming you’re bank-ready, the full process usually takes around four to eight weeks, and it moves in two stages. The first stage, from full application to conditional approval, takes 5 to 10 working days, depending on how busy the lender is. The second stage, from conditional approval to settlement, takes a further 15 to 30 working days, depending on the terms of your sale and purchase agreement.
Can't find what you're looking for?
“Every deal has common threads and unique challenges. My job is to get you and your property goals ‘bankable’ as quickly as possible, while laying foundations for future deals.”
The Broker
Cody Subritzky
Cody moved from life insurance into mortgage advice because property and problem-solving are what he’s drawn to. The deals he likes most are the ones that don’t fit a template, self-employed clients, complex income, situations where the answer takes some working out.
Our Reviews
5.0 stars on Google
“We’re first home buyers with little knowledge of what we needed to do, and they were so patient, made us feel safe and comfortable, and had a flawless approach to communication. They had efficient preemptive practice ready for any of the banks’ curve balls. We couldn’t recommend them more.”
“Partnering with Cody and his team has been one of the smartest decisions I’ve made for my portfolio. As business owners and active investors, we needed more than just loan approvals — we needed structure, strategy, and long-term vision. That’s exactly what they delivered. They think several steps ahead.”
“Two years ago, on the exact same income, we were given a very small maximum lend with no real guidance on how to improve. Fast forward to now, and we own two properties. We presented Cody with a complex situation and a tight deadline, and he couldn’t have been better to work with.
Let’s Chat
Start with a Conversation.
The easiest way is a chat. Tell us where you are and what you want to do, and we’ll come back honestly on whether we can help and what the path looks like.
We reply within one business day. Your details are private and used only to respond to your enquiry.
