Updated September 28, 2026 · BorrowCue Editorial Team
EasyMortgage NZ vs Infina AT
EasyMortgage NZ vs Infina AT: the differences
| Compare |  EasyMortgage NZ |  Infina AT |
|---|---|---|
| Initial rate | 4.79% | 2.75%Lower |
| Fixed period | 1 year | 5 yearsHigher |
| Product fee | NZ$0 | €0 |
| Purpose | First time buyer, Purchase, Remortgage, Buy to letCovers more | Purchase, Remortgage |
| APRC | Not confirmed | 3.215% |
Same on both: Lender type (Broker).
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Key differences
- Infina AT scores higher overall: 9.0 vs 8.6.
- Initial rate is lower at Infina AT: 2.75% vs 4.79%.
- Fixed period is higher at Infina AT: 5 years vs 1 year.
- Support channels: only EasyMortgage NZ offers Help centre.
- Purpose: only EasyMortgage NZ offers First time buyer, Buy to let.
Our verdict on each
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.
Infina AT
Infina AT is an Austrian broker rather than a lender, which suits borrowers who want one fixed residential rate instead of a shop around. The headline 2.75% sits below the 4.35% site median, though the brokerage commission is the price of that convenience.
Score breakdown
| Area | EasyMortgage NZ | Infina AT |
|---|---|---|
| Cost | 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%. | 9.7Higher2.75% and an APR of 3.215% to 3.986% undercut the 12% site median, though commission of 3% of the loan is added. |
| Offer | 8.8Fixed-rate lending only, 1 fixed, against a site median fixed period of 6.5, and fixed rate only. | 8.8purchase and remortgage covers only purchase and remortgage, and the fixed rate model is the only one listed. |
| Trust | 8.2 | 8.5Higher |
Choosing between them
Pick EasyMortgage NZ if purpose matter most.
Pick Infina AT if cost, trust, initial rate, and fixed period matter most.
Availability and regulation
| Country | EasyMortgage NZ | Infina AT |
|---|---|---|
| Austria | Not confirmed | Magistrat der Stadt Innsbruck (Aufsichtsbehoerde), GISA register GISA-Zahl: 21141089 |
| New Zealand | Financial Markets Authority (FMA) FSP1009056 | Not confirmed |
Additional countries for EasyMortgage NZ: 1. Additional countries for Infina AT: 1.
How they place
| Ranking | EasyMortgage NZ | Infina AT |
|---|---|---|
| Debt consolidation loans | 349 of 425 | 232 of 425 |
| Secured loans | 314 of 473 | 197 of 473 |
| Mortgages | 355 of 716 | 240 of 716 |
| Remortgage deals | 256 of 351 | 171 of 351 |
| Home improvement loans | 448 of 562 | 306 of 562 |
Every fact side by side
| Fact | EasyMortgage NZ | Infina AT |
|---|---|---|
| Legal entity | RCMK Limited | INFINA Credit Broker GmbH |
| Headquarters | New Zealand | Austria |
| Founded | Not confirmed | 2001 |
| Support channels | Phone, Email, Help centreCovers more | Email, Phone |
Loans
| Fact | EasyMortgage NZ | Infina AT |
|---|---|---|
| APR | 4.29% | 3.215% to 3.986%Lower |
| Loan amount | NZ$5,000 to NZ$100,000 | €400,000 |
| Term | 12 to 84 months | 240 to 480 monthsHigher |
| Arrangement fee | 0 NZD | 3.00% of the loan amount, one-off (processing fee / brokerage commission); EUR 12,565.36 on the EUR 400,000 Wohnkredit example |
| Credit check | Not confirmed | Hard |
| Funding time | 1-5 business days | Not confirmed |
| Representative example | Not confirmed | Wohnkredit EUR 400,000, 35-year term, 15-year fixed lock-in, monthly instalment EUR 1,750.72, 3.560% p.a. nominal, 3.986% p.a. effective, total loan amount EUR 418,845.35, total amount payable EUR 735,304.06 (as of 23.06.2026) |
| Pricing model | Fixed rate | Fixed rate |
| Rate type | Not confirmed | Fixed |
| 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) | Customers in Austria; stated conditions assume a non-self-employed borrower, and amount and rate depend on income, equity, collateral and the granting bank's creditworthiness and credit score check |
| Origination fee (%) | Not confirmed | 3% |
| Loan types | Personal, Business, Secured, Debt consolidation, Car, Guarantor, BridgingCovers more | Secured, Debt consolidation |
| Credit needed | Good | Good |
| Use cases | Home improvement | Home improvement |
Where each stands against the rest
| Fact | EasyMortgage NZ | Infina AT | Median |
|---|---|---|---|
| Initial rate | 4.79%above the median | 2.75%lowest quarter | 4.73% |
| APRC | Not confirmed | 3.215%lowest quarter | 5.18% |
| Fixed period | 1 yearlowest quarter | 5 yearsbelow the median | 10 years |
Median across 286 listed lenders.
Pros and cons
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
Infina AT
Pros
- Rate of 2.75% held for 5 years, with terms of 240 to 480 months.
- Product fee of €0, so the broker adds nothing beyond its commission.
- The credit check is hard, with good credit described.
Cons
- A one-off brokerage commission of 3% of the loan amount lands on top of the 3.215% to 3.986% rate.
- The fixed period of 5 years is short against a 6.5 site median.
- Support runs on email and phone only.
Who each suits
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
Infina AT
Who it suits
- Austrian buyers and remortgagors who would rather have one fixed rate arranged for them.
- Borrowers with good credit, as the check is hard and good credit is described.
- People funding home improvements alongside a purchase or a remortgage.
Who should look elsewhere
- Applicants outside Austria, and the self-employed, since the stated conditions assume a non-self-employed customer in Austria.
- Borrowers after the lowest headline rate, who may prefer Prestalo at 2.36%.
- Shoppers who want a mid-market rate, with Creditilia ES showing 4%.
Current offers
EasyMortgage NZ
Current offer
Country by country
| Country | EasyMortgage NZ | Infina AT |
|---|---|---|
| Austria | No | Yes |
| New Zealand | Yes | No |
Questions about each
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.
Infina AT
What rate does Infina AT offer on a Wohnkredit?+
Infina AT quotes a fixed rate of 2.75% held for a fixed period of 5 years, with an APR of 3.215% to 3.986% and an APRC of 3.215%. The example loan of €400,000 sits under the 4.35% site median for initial rates.
What fees will I pay when taking a loan through Infina AT?+
The one-off fee is a processing fee or brokerage commission of 3% of the loan amount, charged on the Wohnkredit example. The broker's own product fee is €0, so the commission is the main cost on top of 3.215% to 3.986%.