Finch Finance & Loans: Every Loan Type We Arrange

One business, a few names

People find us as Finch, Finch Finance, Finch Loans, Finch Mortgage and Finch Mortgages. It is the same business: Finch Mortgages Limited, an independent New Zealand mortgage broker founded by Mukhtar Kiyani and based in Te Atatu South, Auckland. We work with clients across the country by phone, video and in person.

Finch Mortgages (FSP1011125) is an Authorised Body operating under the Financial Advice Provider licence held by Finsure New Zealand Limited (FSP1005389). You can check this on the Financial Service Providers Register, and our full disclosure statement sets out the scope of our advice.

The loans we arrange

Most of what we do is residential mortgage lending, but clients often come to us for more than one thing over the years — a first home, then a refinance, then a rental, then finance for the business. This is the full range:

Why a broker rather than going straight to a bank

A bank can only offer you its own products, assessed against its own policy. We compare your situation across a panel of more than 20 lenders — the main banks, smaller banks and specialist non-bank lenders — and recommend the ones whose policy actually fits your situation.

That matters most when your situation is not perfectly standard: self-employed income, a small deposit, a property type some lenders avoid, a past credit issue, or a mix of home and business borrowing. The same application can be declined by one lender and approved by another, and every unnecessary application leaves a mark on your credit file. Checking which lenders are a fit before applying is a large part of what we do.

• One conversation, many lenders. You don't repeat your story to five banks.
• Structure, not just rate. Fixed and floating splits, offset or revolving credit, loan terms and how rentals sit alongside your home loan.
• Ongoing reviews. We contact you before each fixed term ends so you aren't rolled onto whatever rate is offered.

How it works

1. Free discovery call. Fifteen minutes by phone or video to understand what you're trying to do.
2. Documents. We send a checklist that matches your situation — payslips for PAYE earners, financial statements for business owners.
3. Lender match. We assess your situation against our lender panel and explain the options, including the trade-offs.
4. Application and approval. We prepare and submit the application, and deal with the lender's questions.
5. Settlement and beyond. We work with your solicitor through settlement, then review your lending at every fixed-rate expiry.

Want a rough number first? Try the borrowing power calculator or the mortgage repayment calculator.

This article explains how New Zealand lenders generally assess these situations. It is general information, not personalised financial advice, and lender policy changes often — check your own position with a registered adviser. Official sources: Reserve Bank of New Zealand for lending policy and the OCR, and Sorted.org.nz for independent government-backed money guidance.