Updated September 28, 2026 · BorrowCue Editorial Team
1822direkt vs EasyMortgage NZ
What sets them apart
| Compare |  1822direkt |  EasyMortgage NZ |
|---|---|---|
| Initial rate | 3.87%Lower | 4.79% |
| Fixed period | 10 yearsHigher | 1 year |
| Product fee | €0 | NZ$0 |
| Purpose | Purchase, Remortgage, Buy to let | First time buyer, Purchase, Remortgage, Buy to letCovers more |
| APRC | 3.97% | Not confirmed |
| Maximum loan to value | 90% | Not confirmed |
Same on both: Lender type (Broker).
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Key differences
- 1822direkt scores higher overall: 9.0 vs 8.6.
- Initial rate is lower at 1822direkt: 3.87% vs 4.79%.
- Fixed period is higher at 1822direkt: 10 years vs 1 year.
- Purpose: only EasyMortgage NZ offers First time buyer.
Our verdict on each
1822direkt
1822direkt suits German borrowers who prioritise low stated costs and fixed-rate borrowing across mortgages and personal loans. Its mortgage product fee is €0, while the initial rate is 3.87% and the APRC is 3.97%. The main trade-off is the hard credit check used for personal-loan applications.
EasyMortgage NZ
EasyMortgage NZ suits New Zealand borrowers who want a broker to shop lenders for them and to pay no upfront fee. It suits people buying or remortgaging with good credit. An initial rate of 4.79% against 4.29% and fixed terms of 1 make it a short-horizon pick.
Score breakdown
| Area | 1822direkt | EasyMortgage NZ |
|---|---|---|
| Cost | 9.3HigherMortgage product fees are €0, while personal-loan application processing carries an origination fee of 0 EUR (credit application processing is free of charge). | 9.0Origination fee and product fee are both 0 NZD and NZD 0, and the 4.29% sits below the site APR median of 12%. |
| Offer | 9.2HigherThe offer spans personal, debt consolidation and car, plus fixed-rate mortgages with free early repayment. | 8.8Fixed-rate lending only, 1 fixed, against a site median fixed period of 6.5, and fixed rate only. |
| Trust | 8.6Higher | 8.2 |
Licences and countries
| Country | 1822direkt | EasyMortgage NZ |
|---|---|---|
| Germany | Not confirmed | |
| New Zealand | Not confirmed | Financial Markets Authority (FMA) FSP1009056 |
Additional countries for 1822direkt: 1. Additional countries for EasyMortgage NZ: 1.
Pick 1822direkt if, pick EasyMortgage NZ if
Pick 1822direkt if cost, offer, trust, initial rate, and fixed period matter most.
Pick EasyMortgage NZ if purpose matter most.
A third option
Sofkredit has fixed period at 0.5 to 20 years, against 10 years for 1822direkt and 1 year for EasyMortgage NZ.
Sofkredit reviewHow they place
| Ranking | 1822direkt | EasyMortgage NZ |
|---|---|---|
| Personal loans | 644 of 1920 | 1005 of 1920 |
| Debt consolidation loans | 215 of 425 | 349 of 425 |
| Mortgages | 220 of 716 | 355 of 716 |
| Remortgage deals | 156 of 351 | 256 of 351 |
| Car loans | 192 of 432 | 319 of 432 |
| Home improvement loans | 289 of 562 | 448 of 562 |
Every fact side by side
| Fact | 1822direkt | EasyMortgage NZ |
|---|---|---|
| Legal entity | 1822direkt Gesellschaft der Frankfurter Sparkasse mbH | RCMK Limited |
| Headquarters | Germany | New Zealand |
| Founded | 1996 | Not confirmed |
| Support channels | Email, Phone, Help centre | Phone, Email, Help centre |
Loans
| Fact | 1822direkt | EasyMortgage NZ |
|---|---|---|
| APR | 5.29% | 4.29%Lower |
| Loan amount | €7,500 to €100,000 | NZ$5,000 to NZ$100,000 |
| Term | 24 to 120 monthsHigher | 12 to 84 months |
| Arrangement fee | 0 EUR (credit application processing is free of charge) | 0 NZD |
| Credit check | Hard | Not confirmed |
| Funding time | Within 24 hours after digital signing | 1-5 business days |
| Pricing model | Fixed rate | Fixed rate |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Eligibility | Minimum 18 years old, main residence in Germany, employed at least six months, permanent contract, no negative SCHUFA or CRIF Buergel entry | New Zealand citizen, permanent resident or resident visa holder living in New Zealand; Kāinga Ora Welcome Home Loan household income limits $95,000 or less (single, no dependants) or $150,000 or less (single with dependants or joint buyers) |
| Origination fee (%) | 0% | Not confirmed |
| Loan types | Personal, Debt consolidation, Car, Credit line | Personal, Business, Secured, Debt consolidation, Car, Guarantor, Bridging |
| Credit needed | Good | Good |
| Use cases | Home improvement | Home improvement |
Where each stands against the rest
| Fact | 1822direkt | EasyMortgage NZ | Median |
|---|---|---|---|
| Initial rate | 3.87%below the median | 4.79%above the median | 4.73% |
| APRC | 3.97%below the median | Not confirmed | 5.18% |
| Fixed period | 10 yearsat the median | 1 yearlowest quarter | 10 years |
| Maximum loan to value | 90%at the median | Not confirmed | 90% |
Median across 286 listed lenders.
Pros and cons
1822direkt
Pros
- Mortgage product fees are €0.
- Personal-loan application processing is free of charge under 0 EUR (credit application processing is free of charge).
- Early repayment is free.
Cons
- Personal-loan applications use a hard credit check, which may make approval harder for borrowers with limited credit history.
- Personal loans are available only on a fixed-rate basis.
- The stated lender type is broker, so applications are arranged through a broker.
EasyMortgage NZ
Pros
- Both the origination fee and the product fee are 0 NZD and NZD 0, so nothing is charged upfront
- An initial rate of 4.79% and an APR of 4.29% sit close to the site median of 4.35%
- Covers first home buyer, purchase, remortgage and buy-to-let purposes, and personal, business and secured beyond housing
Cons
- Only fixed rate lending, and the fixed period is 1 against a site median of 6.5
- Borrower credit is listed as good, which rules out weaker files
- Support runs on phone, email and help centre only
Who each suits
1822direkt
Who it suits
- Adults resident mainly in Germany with a permanent contract and a clean SCHUFA and CRIF Buergel record.
- Borrowers comparing fixed-rate mortgages for purchase, remortgaging or buy-to-let purposes.
- Personal-loan applicants with good credit who want free early repayment and no application processing fee.
Who should look elsewhere
- Prestalo may suit a borrower focused on its listed initial rate of 2.36%.
- Creditilia ES may suit a borrower focused on its listed initial rate of 4%.
- Sofkredit may suit a borrower focused on its listed initial-rate range of 8% to 14%.
EasyMortgage NZ
Who it suits
- New Zealand citizens, permanent residents and resident visa holders living in New Zealand buying or remortgaging
- Applicants with good credit looking for a broker rather than a direct lender
- Households within Kāinga Ora Welcome Home Loan income limits who want help with a first purchase
Who should look elsewhere
- Borrowers wanting a longer fixed period, since the term is 1 against a site median of 6.5
- Soffkredit and Creditilia ES, whose Spanish mortgages have far higher initial rates of 8% to 14% and 4%
- Prestalo, whose 2.36% initial rate sits well below 4.79% and suits a longer fixed period
Current offers
1822direkt
Current offer
Bonus
0,10 % Zinsvorteil im Online Finanzierungskonzept: 0,10 % Zinsvorteil
Offer tied to the Online Finanzierungskonzept; 0,10 % surcharge applies to properties that are not energy efficiency class A+ to C
Source, checked September 26, 2026
Bonus
Praemie fuer Kontonutzung im Girokonto: 200 EUR
New customers of the 1822direkt Girokonto, combined with 3,50 % Zinsen p.a. for new customers
Source, checked September 26, 2026
First period offer
Tagesgeldkonto Neukundenzins: 3,50 % Zinsen p.a.
Valid for 6 months up to an investment amount of 250,000 EUR, then the then-valid base rate applies
Source, checked September 26, 2026
EasyMortgage NZ
Current offer
Country by country
| Country | 1822direkt | EasyMortgage NZ |
|---|---|---|
| Germany | Yes | No |
| New Zealand | No | Yes |
Questions about each
1822direkt
What are the fees for a personal loan?+
Personal-loan rates start with an APR of 5.29%. Credit application processing is free of charge under 0 EUR (credit application processing is free of charge), and the stated product fee is 0%.
What costs apply to the mortgage?+
The mortgage initial rate is 3.87%, with an APRC of 3.97% and a fixed period of 10. The stated mortgage product fee is €0.
EasyMortgage NZ
What does EasyMortgage NZ charge to arrange a mortgage?+
The origination fee is 0 NZD and the product fee is NZD 0, so the broker side costs nothing upfront. Those figures sit well against typical broker charges elsewhere. The lending rate still applies, at an initial rate of 4.79% and an APR of 4.29%.
Is EasyMortgage NZ regulated in New Zealand?+
Yes. It holds a registration with the Financial Markets Authority, listed as FSP1009056. The company behind it is RCMK Limited, RCMK Limited, based in New Zealand.
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