Get your number
Answer a few questions and see what you could buy, or what refixing could save. No account, no documents, no credit check.
- You
- Income, deposit and a few basics
- Homely
- Runs your numbers through lender-style tests
Your Home Loan.More choice. Less hassle.
Homely combines intelligent AI with experienced mortgage advisers to simplify your home-buying journey, allowing you to explore 20+ lenders at once with one simple application.
Today's lowest rates
Compare home loan rates in seconds
The lowest advertised rates from NZ banks, updated daily.
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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.
Your plan
What could your next move look like?
Enter a few numbers to get a quick estimate of your borrowing capacity to help you build a plan.
$
$
You could buy up to
$700,000
Limited by your 20% deposit
Live rates from 9 lendersEstimate only.
Why Homely
Smarter Home Loan Experience. Powered by AI, supported by Humans
Whether you're buying your first home, upgrading your current 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.
Your lender matchesIllustrative preview
KiwibankApproved
ANZ
ASB
Homely adviser On a callExpert 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.
FSP1011635Licensed Financial Advice Provider
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.
*Rewards eligibility criteria and Terms & Conditions apply. Minimum qualifying loan amount: $300,000.
How does Homely work?
All online, at your own pace. You always know what you're doing and what Homely is doing for you.
Compare and pick your lenders
See live rates from 36 lenders, matched to your deposit. Tick the ones you'd like to compare. Only they will see your application.
- You
- Pick lenders and a fixed term
- Homely
- Matches rates and repayments to your numbers
Apply once, choose your offer
Upload your documents, answer a few questions and our AI will do the rest. Once you and your adviser check it, it goes to the lenders you picked.
- Homely
- Reads documents, fills lender forms, flags gaps
- Licensed adviser
- Checks every application before it's sent
Free calculators
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.
A little extra for doing it your way.*
Take control of your home loan journey. When your eligible loan settles, Homely Rewards come on top of any lender cashback you qualify for.
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!
Diana MinnéeWellington
Buying a house is hard enough, so making the mortgage process easy and fast is a real win for me.
“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.”
Marshall CouperAuckland
What usually feels overwhelming becomes easy and enjoyable!
“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!”
Ahmed AlkazazAuckland
A truly people first experience that takes the stress and confusion out of one of life’s biggest milestones.
“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”
See Homely in action
Watch how Homely works
Follow along
See What We're Up To
Follow @hello_homely for home loan tips, behind the scenes and the latest from the team.
Instagram · ReelLong weekend plans: open homes
YouTube · ShortYour loan should give back
YouTube · ShortApply for a mortgage, 24/7
Instagram · ReelAuction day. Heart racing.
Instagram · ReelThe notification every buyer is waiting for
Instagram · PostYour bank said no.
Instagram · ReelFirst thing you’re buying for your first home
Instagram · ReelTelling your parents you’re buying
YouTube · ShortEvery first-home buyer’s chat at 11pm
Instagram · PostHome loan words nobody explains
YouTube · ShortGet your home loan today
Instagram · ReelMoving day
YouTube · ShortA message from our founderIn the news
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Open banking fintechs plot to change NZ mortgage lending forever
FAQs
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.
Absolutely FREEfor home buyers!