Expert Mortgage Advice and Mortgage Brokers Across New Zealand

At Kingbird Limited, we’re more than just licensed financial advisers; we are your dedicated partners in navigating the complexities of mortgage and home financing. Registered with the Financial Markets Authority (FMA) as a Class 2 Financial Adviser Provider (FAP Licence: 1000364), we offer expert guidance to both wholesale and retail clients.

Our mortgage advisers have access to a comprehensive network of major banks and niche lenders across New Zealand. We meticulously assess your financial situation, perform all the necessary legwork, and secure the most favourable mortgage rates we can, ensuring that the recommended lender aligns perfectly with your specific needs.

Expert Mortgage Advice

Our seasoned loan experts are with you every step of the way - from the initial application to the final steps of the house-buying process. We focus on providing tailored solutions that meet your financial goals, ensuring a smooth and successful transaction.

We Do The Hard Work

Rely on us to connect you with the right financial adviser. We constantly update our knowledge of the latest market trends and lending criteria, allowing you to save time and effort. With Kingbird, you have a dedicated team doing the heavy lifting.

Free Consultation

Begin your journey to homeownership with a no-obligation, free consultation. Contact us today to receive personalised, expert financial advice tailored to your needs.

Have you been turned down by your bank?

Don’t worry – our mortgage brokers can still help!
  • Do you need bridging finance? 
  • Are you newly self-employed or have had a “blip” year?
  • Are you asset rich and cash poor and need finance?
  • Do you have a credit rating issue?

We have access to a variety of non-bank short and longer-term lending solutions.

Let us do the legwork and find the solution!


Home Lending

There are plenty of things to consider when getting a home loan:

  • Are you a first-home buyer?
  • Do you need to refinance your mortgage?
  • Need help with financial planning?
  • Do you need to top up your mortgage?
  • Are you getting construction loan?

Contact us and spend 10 minutes discussing your needs. We do the legwork and identify the best loan product to meet your requirements.

Property Purchases

Do you need help with the following:

  • How to start climbing the property ladder?
  • How much can you afford?
  • How to meet the lending criteria of the banks?
  • Applying for a pre-approval?
  • Need step-by-step guidance on getting a mortgage? 
  • Help you get up to 95% LVR (5% deposits for Kāinga Ora lending only)
  • Buying a rental property for property investment?
  • How to negotiate the purchase price and get the best terms for you?


Here are a couple of reasons to consider refinancing:

  • Is your loan up for renewal?
  • Struggling to keep up with your loan repayments?
  • Has an unexpected event affected your finances?
  • Do you want to take advantage of lower interest rates and new terms?
  • Are you considering alternative banking options?

Construction Loans

Looking to build your new home? Our loan experts can help with:

  • Fixed-price contracts
  • Turn-key contracts
  • Buying off-the-plans 
  • Labour only contracts
  • Factory-built houses or “prefabs”
  • Relocatable dwellings (to move to a site and connect)

We’ll manage the finance process for you and ensure you get the best lending arrangement for your situation.



Refixing your loan can help with the following:

  • Has your initial fixed term expired?
  • Do you want to take advantage of the lower interest rates?
  • Have your circumstances changed?
  • Do you want to look at alternatives and options?
  • Need help with getting the best pricing from your existing bank? 

Getting a mortgage with Kingbird is simple.

Kingbird will try to make the mortgage adventure as simple as possible by following a 6 step process. We take the hard work away by doing the leg work for you.

KINGBIRD IS REGISTERED and licenCed as a class 2 Financial advice provider (“FAP”)  (license FSP1000364) and can provide advice to both WhOLESALE and retail clients. this license is issued by the FMA (New zealand FINANCIAL markets authority).

 KINGBIRD ALSO HOLDS A CERTIFiCATE From the commerce commission for the provision of consumer credit contracts. We can arrange and manage a mortgage for you.


1. Firstly we want to understand your needs

We will arrange a call or meeting to discuss your needs. This may take only 10 minutes and can be via phone, face to face or a video call.

2. Secondly we gather information and data

We assist you to provide the information and data to allow us to establish your needs and objectives.

3. We then analyse and review the options

We then analyse the information you provide and look at the different options to meet your needs while following the lender's criteria.

4. We provide you with the options

We do the leg work to look at as many options as possible to suit your needs and then make recommendations to meet those needs.

5. Implementation

If you agree with the recommendations, we then implement them by working with the lenders to finalise agreements and get things underway.

6. Ongoing review

Circumstances change from time to time, so we will arrange to keep in contact and review if the recommendations are still appropriate for any changes in your circumstances. We work with you!

Application Form

Applying online for finance is quick and confidential. Once we receive this info one of our home loan advisors contact you to progress your application further.

Talk to a Financial Advisor and Reach Your Goals Faster with Kingbird​

Kingbird Limited Privacy Policy

Pursuant to the Privacy Act 2020, this Privacy Policy governs the way Kingbird Limited collects, uses, maintains and discloses information collected from users (“User” and “you”) of the website or via one of our advisors.

Kingbird Limited (“kingbird”, “we” and “us”) needs to collect personal information from you and from others and share your information with others to:

Assess your application for credit, or offer a service or market a product to you that is either our product or a product that we market or administer or conduct market research, where the information is combined with other information and in a form that does not identify you or meet our internal operational requirements, such as for credit and risk management, system or product development and planning, insurance, audit and administrative purposes; or to facilitate the transfer or assignment of our rights.


By agreeing to this Privacy Policy, you consent and authorise us to:

  1. Provide your personal information to a credit reporter, including Equifax New Zealand Information Services and Solutions Limited or Dun & Bradstreet (New Zealand) Ltd, for identity verification, credit reporting (including comprehensive credit reporting) and monitoring services both now and in the future.
  2. Make disclosure of any personal information to any third party that provides services to us, including but not limited to any bank, law firm, other professional, debt collection agency, a market research firm, insurer, potential assignee, transferee or another person whom we anticipate entering into contractual relations in connection with this loan, any third party who has or may have a financial interest in this loan, or any other person or organisation authorised by you, who has agreed only to collect, hold, use, and share your personal information for the purposes for which it has been given to them.
  3. Disclose and receive your personal information, including but not limited to details of this loan, any associated loan application, any financial dealings you may have with us, your address, telephone number(s), the place where you work, details of your income and any convictions you may have, with the organisations set out in paragraphs 1 and 2 above and in relation to the purposes listed above. You have a right to ask us not to use your personal information for the purpose of marketing or offering a service to you.

    Please Note:
    • If you do not consent, we will not be able to consider your application.
    • The lenders we work with may also use your personal information in the above ways.

By using our services, you accept this Privacy Policy. If you do not agree to this Policy, please do not use our Website or Services.

Personal identification information
We may collect the following information:

  • Your name, email address and contact information.
  • Information necessary to verify your identity as required by anti-money laundering laws.
  • Demographic information such as postcode, preferences and interests.
  • Other information relevant to customer
    surveys and/or special offers.
  • Financial details pertaining to a loan application or other financial services.
    We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our website, register on the website, place an order, fill out a form, or fill out a form we provide you.

We may use that information:

  • to consider this application.
  • to consider any future application for products or services which involves you.
    We can also use it:
  • to administer and monitor products or services provided to you.
  • to comply with legal and regulatory requirements (including identity verification requirements)
  • to provide you with information about other products or services, including those of selected third parties
  • generally, to develop and run our business; and
  • as otherwise described in our Privacy Policy.


You agree that – for those purposes – we can provide information about you to, and obtain information about you from, other organisations or people we consider appropriate. Those organisations might include our service providers, other financial and insurance institutions, government departments, your employer or accountant, third parties for the purposes of fraud prevention, identity verification, and any other purposes relevant to those purposes (those third parties may retain information and use it for identity verification and fraud detection purposes), and other appropriate persons.

Non-personal identification information

  • We may collect non-personal identification information about Clients whenever they interact with our Website. Non-personal identification information may include the browser name, the type of computer and technical information about Users’ means of connection to our Website, such as the operating system and the Internet service providers utilized and other similar information.
  • Web browser cookies: Our Website may use “cookies” to enhance User experience. A User’s web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. You may choose to set your web browser to refuse cookies or to alert you when cookies are being sent. If you do this, some parts of the Website may not function properly.

How we use collected information
We may collect and use Users’ personal information (via our Web site) for the following purposes:
• To run and operate our Website
We may need your information to display content on the Website correctly.
• To personalise the Users’ experience
We may use the aggregated information to understand how our Users as a group use the services and resources provided on our Website.
• To improve our Website

We may use feedback you provide to improve our products and services.

How we protect your information
We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorised access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on the Website.

Sharing your personal information
We do not sell, trade, or rent Users’ personal identification information to others. We may share generic aggregated demographic information not linked to any personal identification information regarding visitors and users with our business partners, trusted affiliates and advertisers for the purposes outlined above. We may use third-party service providers to help us operate our business and the Website or administer activities on our behalf, such as sending out newsletters or surveys. We may share your information with these third parties for those limited purposes.

Third-party websites
Users may find advertising or other content on our Website that links to the sites and services of our partners, suppliers, advertisers, sponsors, licensors and other third parties. We do not control the content or links that appear on these sites and are not responsible for the practices employed by websites linked to or from our Website. In addition, these sites or services, including their content and links, may be constantly changing. These sites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website, including websites that have a link to our Website, is subject to that website’s own terms and policies.

Google Analytics cookies
This website uses Google Analytics to help analyse how visitors use this website. Google Analytics uses “cookies”, which are small text files placed on your computer, to collect standard internet log information and visitor behaviour information in an anonymous form.
The anonymous information generated by Google Analytics cookies about your use of this website is transmitted to Google. This information is processed to compile statistical reports on website activity for this website only.

Google Remarketing
We may use Google AdWords Remarketing to advertise Kingbird across the Internet on the Google Display Network.
AdWords remarketing may display ads to a User based on what parts of the Kingbird website you have viewed by placing a cookie on your web browser.

This cookie does not in any way identify you individually or give access to your computer or mobile device. The cookie is used to indicate to other websites that “This User visited a particular page, so show them ads relating to that page.”

Google AdWords Remarketing allows us to tailor our marketing to better suit your needs and only display ads that are relevant to you.
If you do not wish to see ads from Kingbird, you can opt-out in several ways:
• 1. Opt out of Google’s use of cookies by visiting Google’s Ads Settings
• 2. Opt out of a third-party vendor’s use of cookies by visiting the Network Advertising Initiative opt-out page.

Kingbird has the discretion to update this privacy policy at any time. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

You consent to us communicating with you electronically with respect to your application and/or loan. You also consent to us sending you marketing material and/or messages electronically or otherwise, even after you have repaid your loan in full. We will always give you the ability to opt-out or unsubscribe from our emails. We may use third-party service providers to help us send out newsletters or surveys.

If you have any questions about this Privacy Policy or your dealings with us, please email us at [email protected]
By Accessing the Kingbird website, I Agree to the above conditions.