FOUND THE
PERFECT HOME?
NOW, FIND THE
PERFECT LOAN.
Homely combines intelligent AI technology with experienced financial advisers to help you find, compare and secure the right home loan — with confidence.
Home Loan Advice. Powered by AI, Delivered by Humans
Whether you're a first home buyer or an experienced investor, every situation is different. Our licensed Financial Advisers work alongside Homely's AI platform to provide personalised mortgage advice tailored to your goals. Use as much — or as little — human support as you need.
One application, endless possibilities.
Skip the repetitive paperwork. With Homely, you fill out one smart application and in minutes apply to multiple lenders - saving time, effort and hassle.
Personalized advice that sees you
Your goals, your adviser Personalised advice matched to your situation — not a generic quote. All advice is provided by licensed Financial Advisers under Homely's FAP licence
Advice when you need it
Our AI handles the paperwork. Your adviser provides the judgement. Together they make the mortgage journey faster, simpler and more personalised than anything else available in New Zealand.
More than a mortgage, a rewarding experience
We go beyond simplifying your mortgage journey. With Homely, every step you take towards homeownership is recognised - because your financial decisions should come with benefits.
Testimonials
Don't just take our word for it. Hear from Kiwis who have experienced the Homely difference!
“The Homely team has a clear purpose - helping people own homes faster and fairer, without the stress. I love the transparency and simplicity of knowing exactly where you stand. Buying a house is hard enough, so making the mortgage process easy and fast is a real win for me.”
Diana Minnée
Wellington
How does Homely work?
Securely upload your information through our secure, encrypted platform.
Our AI prepares your application.
A licensed adviser personally reviews your application and prepares your personalised advice.
Your adviser presents their recommendation, explains your options and answers your questions.
With your approval, your adviser submits your application to matched lenders on your behalf.
Review your offers, ask questions, and choose the option that best suits your goals.
Better, Faster, Smarter
Home loans made simple with AI and Smart Tech
Smart tools to get you going
Homely's smart calculators and comparison tool help you take the first step with confidence. Instantly assess your borrowing power, serviceability, and budget for upfront costs. Compare best rates from lenders of all sizes through our intuitive filters. It’s a faster, easier, and more transparent way to navigate your home loan journey.
Your AI Mortgage Co-pilot
Our AI handles the paperwork. Your adviser provides the judgement. Together they make your mortgage journey faster, simpler and more personalised.
Get support when you need it most
While Homely is a technology-led platform, we understand that sometimes you just want to speak to a real person. Not everyone needs hand-holding - but if you do, our experienced licenced advisors are here to support you at any stage of the journey. You’re never alone - but you are always in control.
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Everything you need to know about getting a home loan through Homely.
Yes. Every Homely customer has access to a licensed Financial Adviser. You can engage as much or as little human support as suits your situation — from a quick question to full end-to-end advice.
Yes. Homely holds a Financial Advice Provider (FAP) licence issued by the Financial Markets Authority (FMA). All financial advice provided through Homely is covered by that licence.
No. Homely’s AI technology handles paperwork, organises your information and identifies suitable lending options — but it doesn’t provide regulated financial advice. Your licensed Financial Adviser does that.
Like most mortgage advisers in New Zealand, Homely advisers receive a commission from the lender when a loan settles. This will always be disclosed to you before any advice is provided.
In most cases, no. Homely’s service is free to borrowers. Our advisers are remunerated through lender commissions, which are disclosed transparently as part of our advice process.
You can use Homely’s platform to explore and compare options at any time. However, to submit a formal application and receive regulated mortgage advice, you will work with one of our licensed advisers.
Our aim is to present you with offers from lenders within 24-48 hours so that you can move through the home loan process faster. However, the approval time may vary depending on how fast each lender can move.
For salaried earners, you’ll need proof of income (payslips or tax returns), address proof, bank statements, ID, and property details to get started. For business owners or contractors, a different set of documents is required. Our AI engine makes uploading quick and easy.
Our services for homebuyers are completely free.
Absolutely! Homely helps with purchases, refinancing, and investment properties. Our platform compares your current loan against better options in the market.
We work with specialist lenders who consider applications from people with less-than-perfect credit. You will have a wide selection of lenders to cater to your specific needs.
Your data is protected with bank-level encryption, and strict privacy controls. We keep your data secure and share it only with the lenders you choose and only when you consent. It’s used solely to match you with the right loan, never for spam or unwanted offers.
Yes. You can contact us by phone or email at any time for help with your application. If you’re looking for personalised advice or recommendations, we can connect you with one of our licensed Financial Advisers. The level of support is entirely up to you.
Our platform is designed to be self-guided, and most users can navigate the process independently. However, if you would like personalised advice or additional support with your application, we can connect you with one of our licensed Financial Advisers for tailored assistance. Whether you choose to seek advice is entirely up to you.
