More than a mortgage broker
Whether you’re buying your first home, reviewing your existing mortgage, or growing your property portfolio, our expert mortgage advisers are here to help.
We do the legwork, find the right lender and help make the process as easy as possible. And, in most cases it won't cost you a cent.
Why choose Squirrel to help with your mortgage?Our advisers do the hard work, so you don't have to.
Our advisers do the hard work, so you don't have to.
Better mortgage rates
We arrange about $3 billion of loans per year which gives us negotiating power and access to better rates.
More options
We have access to more banks than other brokers, plus our community of 5,000 + peer-to-peer lenders looking to fund a person like you.
Our advisers aren't incentivised by lenders
They're paid the same no matter which lender you end up with, so you know you won't get pushed into a loan you don't want or can't afford.
Better technology
Our online application is fast and straightforward, and means you can do it from anywhere in the world.
We write about $3 billion of home loans per year, working with all the major banks.
What it costs
First home buyer
$0 - we're paid by the bank
What we help with:
- Work out what you can actually borrow
- Get your deposit and KiwiSaver sorted
- Get you pre-approved so you can start house hunting
- Work with all the major banks (and more) to find the right fit
- Negotiate the best rates and structure your loan according to your life goals
- Support you through to settlement (and beyond)
Next home / moving house
$0 - we're paid by the bank
What we help with:
- Work out what you can spend before you buy or sell
- Help with bridging finance (if you need it)
- Get you pre-approved so everything's lined up
- Work with all the major banks (and more) to find the right fit
- Sort the timing of selling and buying
- Negotiate the best rates and set up your new loan properly
Buying a new build
$0 - we're paid by the bank
What we help with:
- Guide you through how new build lending works
- Set up lending for turnkey or land + build
- Manage progress payments along the way
- Line everything up with your build timeline
- Work with all the major banks (and more) to find the right fit
- Support you through to handover (and beyond)
Refinance
$0 - we're paid by the bank
What we help with:
- Check if you could be on a better rate
- Work out if it's worth switching or breaking your loan
- Compare options across banks and lenders
- Negotiate the best rates and cashback
- Restructure your loan if needed
- Make sure your loan still fits your goals
Investment property
$0 - we're paid by the bank
What we help with:
- Work out what you can borrow
- Set up lending to support your long-term plans
- Run the numbers on cashflow and returns
- Work with all the major banks (and more) to find the right fit
- Structure lending across lenders (if needed)
- Support you as your portfolio grows
Ongoing support
$0 - included with your loan
We'll also help with things like:
- Making sense of LIMs, building reports and valuations
- Getting you organised and ready for an auction
- Using bank's property valuation data to help you choose the right property
- Make sure your lending is set up properly for the long term
- Help build a plan to pay your loan off faster
- Assist you beyond settlement with future refixes, top-ups and restructures
Meet our friendly mortgage advisers
We’re NZ’s most trusted independent mortgage broker, and that’s because our advisers thrive on delivering the best outcomes for Kiwi like you.
Book a chat
Want to chat to a mortgage expert about your situation, and how we can help?
Book a spot in our diary and one of our team will give you a call at the agreed time.
What does the process with Squirrel look like?Here's a quick look at how we'll work together...
Here's a quick look at how we'll work together...
1.
We’ll chat with you to understand your financial situation and what you’re wanting to achieve.
2.
Your mortgage adviser can provide honest feedback on any potential properties, and answer questions you’ve got along the way.
3.
We’ll work with the banks to get you a hot home loan rate. We’ve got access to them all, plus our own custom lending solutions when needed. More options for you means better rates.
4.
Work out the best mortgage structure to suit your lifestyle, and negotiate your home loan for you.
5.
Together we can build a plan to help you get mortgage-free faster. You might be amazed at what small things you can do to shave years off your mortgage.
6.
We don’t ‘set and forget’. Your adviser is always a phone call or email away and down the track we’ll help you when your fixed rate rolls over, and beyond.
Get your mortgage right and it's the easiest money you'll make
Our team of mortgage brokers are whizzes at perfecting a mortgage structure.
Rather than putting all your eggs in one basket at one interest rate, depending on your situation we'll usually advise splitting your mortgage across different terms and interest rates. We’re pretty clued up about the economy and rate movement so we’ll help you make an informed decision.
Why bother getting so technical?
The devil is really in the detail. When we’re talking hundreds of thousands of dollars, a fraction of a percent change in interest or repayment rates can save you a packet. This could mean retiring to your super yacht a few years earlier than planned. If that's your thing.
Keen to get started?
Start the process from the comfort of your couch.
Stay on top of the property market
It doesn’t matter how fresh you are, someone has been in your shoes before. We’ve written a lot about all of the aspects of buying a property. Everything from “What the hell is a LIM?” through to “How do I buy my seventh mansion?” Check out our blog and get up with the property game.
Watch the latest interest rates and property market updates
Watch our latest update on interest rates and the property market - covering house prices, the economy, the OCR and where mortgage rates might be heading.
OCR & interest rates update - July 2026
Interest rates are officially on the up again, with the RBNZ pushing through a 0.25% increase on 8 July—taking the OCR from 2.25% to 2.50%—in the face of a complex mix of factors. Here's what it all means for interest rates and mortgage borrowers.
All eyes on interest rates: Key OCR dates to watch for in 2026 & 2027
The OCR has officially started its transition from stimulatory to more 'neutral' territory, as the RBNZ seeks to strike a careful balancing act between getting inflation under control and supporting our economic recovery. Here are the key OCR to watch out for over the rest of 2026 and into 2027.
Don’t just take our word for it
Anonymous
New Zealand
Carley was amazing!
Caleb
New Zealand
Excellent communication & Advice. Thank you for all your hard work, appreciate the effort Ari put in for us!
Sophie
New Zealand
Blake provided professional, proactive and helpful advice throughout the mortgage application and home purchasing process. As a first home buyer, he provided invaluable insights and knowledge into the processes involved, empowering me to put my best foot forward and make informed decisions along the way. I really appreciated Blakes approachable and supportive communication, and the user friendly application process that Squirrel provides made applying to and comparing multiple banks easy and straightforward.
Henry Siwanzi
New Zealand
Tessa was amazing in guiding us through the process of purchasing our first home. Working with us from over a year before we made the purchase to get our finances in order before helping us make the purchase when we found the right house.