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Buying a property can be one of the most significant moments in a young Kiwi's life... Or a chance to downsize as empty nesters... Or a retirement plan for a savvy investor. Whatever your life stage, we have the tools and knowledge to help you realise your property dreams.

Whatever you need, we can help

The benefits of a broker: Most lenders (Banks) will only talk to you about the products they have to offer as there is no advantage for them doing any different. But as a broker, it is our job to know the market and what it has to offer so we can recommend what is truly best for you. Not all lending is equal so whether you're buying a home, renovating or expanding your rental portfolio, we are here to help.

Cats at Home

Lets figure out what it is you need.

At Naked Finance, we take the time to understand your needs. We will get to know you, your property ambitions and your lending ability before guiding you towards the best the market has to offer you. We take a diagnostic approach to see what will fit you best rather then just reaching for the easy option. Remember the old saying, there are many ways to skin a cat. But seriously... don't skin a cat. 

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Liam Bratton

NZ Adviser Top 25 Brokers 2024

A comprehensive roundup that highlights the best in the industry.

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Who can we help? In short, everyone!

First home buyers

The great unknown, sometimes it can feel like an insurmountable challenge to get on the property market in New Zealand with house prices going up, interest rates doing their merry dance. (trust us, we have been there too!). Always remember, there is no such thing as a dumb question!


Whether you're an experienced investor looking for your next cashflow positive rental. Or starting out on your property investment journey, trying to navigate the brightline test and the ever-decreasing tax benefits, we are here for you.

Read More >

Upsizing  or downsizing

Have you had another child? have they left home? Have they moved in with a partner to save for their first home? We know there are alot of reasons people look for a bigger, smaller home. But one thing remains true, your journey is unique and needs to be treated as such, so we take the time to understand the plan of attack, so you can optimise your chances of success.

Have a play with the mortgage calculator below and give us a call to find out how we can help make it a reality.

Let us do the mahi for you.

Naked Finance have terms of business with 28 different lenders across New Zealand. We strongly believe that our role is to find you the best fit lending in the marketplace, for that reason we ensure we have terms of business with all the major providers so we can honour this claim.

What makes us special?

Simply that we are not just mortgage brokers! We are a full suite advisory that looks at all aspects of your financial journey and understand that they must all work synergistically to provide the optimal result. We know the importance of ensuring a plan remains focused and on track to ensure your financial freedom.

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The Process

1. What would you like?

Lets take a look at what you are trying to achieve and suss the viability.

2. Its all about you.

We will collate information about you so when we apply to the banks they will be able to tell us if you fit who they want to lend to.

3. Its shopping time!

We then get you locked and loaded with pre approval and a budget and send you out to go shopping.

4. Buying the home.

It can be a stressful process so feel free to come to us for guidance, we know property and we even know a few tricks to beat the auction process, feel free to ask, no question is a dumb question!

5. Wrapped up with a bow on it.

Settlement day is here, we will liaise with the banks to ensure a smooth process, and leave you with the joy of unpacking those. boxes!

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Mortgage Calculator

Facts and Fiction

  • What is the need for life insurance?
    There are two main mindsets for life insurance. This first is to 'maintain' the lifestyle of your loved ones after you have passed. This essentially means that all your debts will be covered so they are not burdened with them. The second mindset is to improve the lives of your loved ones, to elevate them. Both ensure Funerals are covered, as these can be a costly affair. Life insurance can really be whatever you want it to be so have a chat with us to see what your options are.
  • What happens if you don't tell the insurer something important?
    In short, your insurer could rightfully deny you cover for exclusions that you failed to disclose. It is important to be truthful when signing up to insurance so you can be protected to the fullest.
  • Is it worth getting health insurance in NZ?
    We are lucky here in NZ. We have a few safety nets that are already in place to care for our health. There is the public health system and ACC for accidents. If you need "acute" surgery the public health system will care for you, but you will be triaged against other patients, which means it could be some time before you get seen. And for most, your care will only be subsidised so you still may face a big bill at the end of it. With private health insurance, you will get in front of the right people much quicker, which is priceless for peace of mind. Non Pharmac treatment options are also available through private health insurance. This can be a 'make or break' for treatment.
  • How much is health insurance in NZ?
    Well this depends on who you are and what you want to cover. There are a variety of packages and providers on the market so we would take time to focus in on what it is you need. But "how much?" we hear you ask again... As much as we would love to give precise figures, it is all on a spectrum from quite cheap to quite expensive. Tell us all about your needs and what you're able to spend and we will find the right package for you.
  • Which employer has the best health insurance?
    Luckily, more and more employers are providing health insurance as staff are requesting it. This is more likely to be by big firms, but Naked Finance is part of a group that can offer health insurance packages for teams as small as five people! We are more than happy to have a chat to your employer if you'd like to introduce the conversation. Speak to us to find out more.
  • What are the different types of insurance? Is it just Health and life Insurance?
    Well health and life insurance are the two most widely known, but there are several other services that are worth your consideration. Trauma / Disability insurance is generally known as a lump sum product where you get paid out a lump sum when you have a critical illness. And income protection replaces the income you will lose while you're not able to work. If you think you can protect yourself against more, chat with us to see what packages will be best for you.
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