Your home loan. More choice. Less hassle.
Homely combines intelligent AI technology with experienced mortgage advisers to help you explore 20+ lenders, simplify your application and find a home loan that suits your needs. Additionally, you earn up to $2,500 in Homely Rewards on top of lender cash back when your eligible loan settles.
- Free for home buyers
- Licensed Financial Advisers
- Up to $2,500 Homely Rewards
Compare home loan rates in seconds
The lowest advertised rates from NZ banks, updated daily.
Advertised rates aren't always the best you can get.
Indicative advertised rates. Repayments estimated on a $500,000 loan over 30 years. Lenders usually need at least 20% deposit. You may be able to buy your first home with less than a 20% deposit, your options depend on your income, deposit, expenses and lender eligibility criteria. The lowest advertised rate isn't necessarily the most suitable loan for you. Fees, eligibility, features and total borrowing costs also matter. Not financial advice.
Smarter Home Loan Experience. Powered by AI, supported by Humans
Whether you're buying your first home or growing your property portfolio, your home loan journey should be as unique as you are.
AI does the paperwork
Meet Homely, your personal AI-powered home loan assistant. Our smart technology understands your needs, simplifies your choices, and guides you through every step of your home loan journey - making it better, faster, and smarter.
A real adviser gives the advice
And whenever you need a little extra hand holding, expert human advice is just a click away.
Less paperwork. More time for what matters.
Why repeat yourself? Homely's AI helps you complete one smart application and connect with multiple lenders in minutes, saving you time, effort and unnecessary hassle.
Your Perfect Lender Match Starts Here
Homely matches your unique circumstances with suitable lenders from our network of 20+ lenders, helping you find the right home loan, faster.
Expert Advice when you need it
Let Homely's AI handle the heavy lifting while you explore your options at your own pace. And whenever you need extra guidance, a qualified mortgage adviser is there to help you make informed decisions.
Up to $2,500 in Rewards. Just for Doing It Your Way.
Take control of your home loan journey with Homely and enjoy up to $2,500* in rewards when your loan settles. Because making smarter financial choices deserves a little something extra.
How does Homely work?
Three simple steps from application to offer.
Apply Once
Complete one smart application and securely provide your information. Homely's AI takes care of the heavy lifting, saving you time and paperwork.
Get Matched
Homely intelligently matches your unique circumstances with suitable lenders from our network of 20+ lenders, helping you explore your options.
Choose & Move Forward
Review your options, get qualified advice whenever you need it, and move forward with the home loan that's right for you.
Know your numbers before you apply
Pick a calculator, pop in a couple of numbers and see where you stand in under a minute.
Your Home Loan. Your Rewards.
Get up to $2,500 just for doing it your way.*
Why should lenders have all the perks? With Homely, you're rewarded for taking control of your home loan journey. Enjoy up to $2,500 in Homely Rewards when your loan settles, on top of any eligible lender cashback.
Up to$2,500
Find out how much you could earn*Rewards eligibility criteria and Terms & Conditions apply. Minimum qualifying loan amount: $300,000.
Refer a friend, get $200
Know someone buying a home? Refer them through our referral app at refer.homely.co.nz and you'll receive $200.
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
“Homely makes the whole mortgage process simple and stress free. Customers appreciate the transparency, speed, and ease of use, giving them confidence every step of the way. What usually feels overwhelming becomes easy and enjoyable!”
Marshall Couper
Auckland
“Homely is creating a truly people first experience that takes the stress and confusion out of one of life's biggest milestones: buying a home. It's refreshing to see a vision that's both innovative and grounded in real human needs, finally bringing simplicity and transparency to the mortgage lending industry”
Ahmed Alkazaz
Auckland
Watch how Homely works
In Media
AI disruption on the way for mortgage advice industry
AI vs Human Mortgage Advice: Why 77% now prefers a digital DIY option over human advisors
Emerging start up disrupting the Financial sector in New Zealand
14 Start Ups coming out of the Creative HQ Fintech to make a difference to New Zealand's Financial Sector
Open banking fintechs plot to change NZ mortgage lending forever
TiktokFAQs
Everything you need to know about getting a home loan through Homely.
Yes. Every Homely customer is supported by our New Zealand based friendly team and licensed financial advisers. You can engage as much or as little human support as suits your situation, from a quick question to full end-to-end advice.
Ready to get started?
Apply once and a licensed adviser takes it to multiple lenders for you. Free for home buyers.