EasyMortgage NZ review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

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.

Key facts

Best for
A fee-free New Zealand mortgage broker for first home buyers, purchases and remortgages.
Initial rate
4.79% (Source, checked September 26, 2026)
Fixed period
1 year (Source, checked September 26, 2026)
Product fee
NZ$0 (Source, checked September 26, 2026)
Purpose
First-time-buyer, Purchase, Remortgage, Buy-to-let (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Legal entity
RCMK Limited (Source, checked September 26, 2026)
Headquarters
New Zealand (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Official website
easymortgage.co.nz

Loans

APR
4.29% (Source, checked September 26, 2026)
Loan amount
NZ$5,000 to NZ$100,000 (Source, checked September 26, 2026)
Term
12 to 84 months (Source, checked September 26, 2026)
Arrangement fee
0 NZD (Source, checked September 26, 2026)
Funding time
1-5 business days (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Eligibility
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) (Source, checked September 26, 2026)
Loan types
Personal, Business, Secured, Debt-consolidation, Car, Guarantor, Bridging (Source, checked September 26, 2026)
Credit needed
Good (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
RCMK Limited (Source, checked September 26, 2026)
Headquarters
New Zealand (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate

Apps and profiles

Elsewhere
WikidataWikipediaX

Pros and cons

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
  • Funding takes 1-5 business days, with support on phone, email and help centre

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
EasyMortgage NZ

Ready to try EasyMortgage NZ?

Scored 8.6 / 10 by BorrowCue.

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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

Where it sits among rivals

On initial rate, EasyMortgage NZ places 149 of 297 brands, and its 4.79% sits near the site median of 4.35%. On fixed period the picture is weaker: 229 of 259, with 1 fixed against a site median of 6.5. Costs are the draw, not term length.

Who runs it

EasyMortgage NZ trades as RCMK Limited, RCMK Limited, based in New Zealand. It works as a broker rather than a direct lender, and it is registered with the Financial Markets Authority under FSP1009056. Buyers reach it on phone, email and help centre.

How EasyMortgage NZ compares

Where EasyMortgage NZ is available

Available
New Zealand
Licence in New Zealand
Financial Markets Authority (FMA) (FSP1009056), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

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.

How long is the fixed rate and can I remortgage instead?+

The fixed period is 1, which is short next to the site median of 6.5. Lending is fixed rate only, so there is no variable option. Remortgage is one of the listed purposes, alongside purchases and buy-to-let.

Who can apply for a mortgage through EasyMortgage NZ?+

Applicants must be New Zealand citizens, permanent residents or resident visa holders living in New Zealand. Household income limits apply under the Kāinga Ora Welcome Home Loan scheme. Credit is listed as good, so weaker credit files are unlikely to be accepted.

What other loans does EasyMortgage NZ arrange?+

Beyond home lending, personal, business and secured are covered, including business, car, secured, debt consolidation, guarantor and bridging loans. Home improvement is the listed use case. Borrowing runs from NZD 5,000 to NZD 100,000 with terms of 12 to 84.

How fast is funding after a loan is approved?+

Funding takes 1-5 business days once terms are agreed. That speed suits buyers working to a settlement deadline. Progress is handled through phone, email and help centre.

Sources

  • easymortgage.co.nz checked September 26, 2026

    Backs: APR, Lender type, Arrangement fee, Product fee

    “The First Home Loan program helps eligible buyers purchase with just 5% deposit and 4.29% interest rate. Backed by Kainga Ora and offered through selected lenders.”

  • easymortgage.co.nz/disclosure checked September 26, 2026

    Backs: Headquarters, Legal entity, Loan types, Purpose, Support channels, Licences

    “Address: 96 Te Wharo Drive, Papamoa”

  • easymortgage.co.nz/faq-easymortgage checked September 26, 2026

    Backs: Credit needed, Pricing model

    “For most lenders, a credit score of 600 or higher is preferred for home loan approval NZ.”

  • easymortgage.co.nz/financial-solutions checked September 26, 2026

    Backs: Loan amount, Funding time, Term, Use cases

    “Personal Loans: From $5,000 to $100,000 depending on your financial situation.”

  • easymortgage.co.nz/first-home-buyer checked September 26, 2026

    Backs: Eligibility

    “Be a New Zealand citizen, permanent resident, or resident visa holder living in New Zealand; annual household income $95,000 or less (single buyer without dependants) or $150,000 or less (single...”

  • easymortgage.co.nz/mortgage-broker-insights checked September 26, 2026

    Backs: Fixed period, Initial rate

    “Lowest 1-year Fixed Rate: 4.79% p.a.”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APRC, Maximum loan to value.

EasyMortgage NZ

EasyMortgage NZ

A fee-free New Zealand mortgage broker for first home buyers, purchases and remortgages.

8.6/10See alternatives

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