We believe a great mortgage is more than just numbers: it is about unlocking opportunities and securing your financial future.
With nearly a decade of experience, we do not just find you a loan, we craft tailored solutions that put more money in your pocket and bring your homeownership dreams to life.
Navigating the mortgage world can feel overwhelming, but that is where we thrive. We strip away the complexity, offering clear, smart advice and an effortless experience from start to finish.
Our promise? To go beyond expectations - not just in words, but in every deal we negotiate and every client we support.
Whether you are buying your first home, refinancing for a better deal, or expanding your portfolio, we are here to think smart, act fast, and deliver results.
Let’s make your mortgage work for you.
Smartmortgages.co.nz Limited – Smarter Mortgages, Brighter Futures.
Our Services
Saving for a 20% deposit can feel overwhelming, but did you know you may be able to purchase your first home with just a 5% deposit?
Refinancing might not sound exciting, but the benefits can be truly life-changing! Here are some key reasons why refinancing could be a smart financial move for you.
Purchasing your first home is a significant milestone, but the process can feel overwhelming. This guide breaks it down into clear, manageable steps—from saving for your deposit to moving into your new home.
If you're considering purchasing an investment property in New Zealand, you’ll need a 30% deposit—but that doesn’t mean you have to have all the cash sitting in your bank account!
Your home isn’t just a place to live—it’s a powerful financial tool. If you’ve built up equity in your property, you may be able to top up your existing home loan to access funds for other important goals.
Reverse Mortgage is a financial solution designed for homeowners aged 60 and over.
Choosing the right business lending solution can make all the difference.
Clients Love Our Mortgage Adviser
GIANG TRAN & DINH HOANG
DONGMING LIU & YUE CHEN
BECKY LE
VARUN SACHDEV
Our Partners
Smartmortgages.co.nz Limited partners with some of New Zealand’s top financial institutions to bring you the best mortgage solutions tailored to your needs.
Featured News And Insights
This past Sunday, the Smartmortgages.co.nz Limited team — joined by our wonderful clients and our energetic mascot, Simba — laced up our sneakers for the Pink Ribbon Walk 2025 at Auckland Domain.
From my last name, you can easily tell I am a Vietnamese. In fact, almost 40% of Vietnamese people share the same surname. True story: the other week, I submitted a mortgage application for a client from Wellington who also happened to be a “Nguyen.” The bank came back and asked me to clarify our “personal relationship.” My answer? I sent them the statistic. (For the record, my parents also had the same surname before marriage — but don’t worry, they weren’t closely related. In Vietnam, it’s quite common!)
At Smartmortgages.co.nz Limited, community has always been at the heart of what we do. From the very beginning, when I launched this company, my vision wasn’t just about helping Kiwis achieve their home ownership dreams, it was also about giving back and standing alongside the communities we serve.
11 September, 2025 will forever be a special date for sisters Maria and Liduvina: the day they turned their long-held dream of owning a first home in New Zealand into reality.
Are you considering switching banks to take advantage of a cashback offer as your fixed home loan rate comes to an end — but worried about the legal costs involved?
At Smartmortgages.co.nz Limited, we take pride in helping our clients achieve better outcomes with their lending. Recently, we assisted Alwyn Jones with refinancing his investment properties. During the process, one of his loans qualified for a lender package that covered the legal transfer costs: saving him from paying solicitor fees for that portion of the refinance.
Congratulations on your pre-approval! Securing pre-approval from the bank is an important milestone in your home-buying journey. It means you are one step closer to owning your new home. But what comes next? Here is a clear, step-by-step guide to help you navigate the process with confidence.
Good news is on the horizon for aspiring first‑home buyers in New Zealand.
Buying your first home is an exciting yet complex journey. With so many steps involved, it’s easy to feel overwhelmed.
Many First Home Buyers have asked me why they need to save up 20% deposit when others can get a mortgage approved with just 5% or 10% only. Here’s why having a 20% deposit is a game-changer:
Buying a new home while selling your current one can be a daunting process. Do you sell first and then buy, or secure your next home before letting go of the current one? Each approach has its pros and cons, and the right choice depends on your financial situation, risk tolerance, and market conditions. Here are three options to consider when upgrading your property:
If you're buying or selling a home in New Zealand, understanding a registered valuation is important.
Frequently Asked Questions:
Smartmortgages.co.nz Limited (FSP1007290) holds a licence issued by the Financial Markets Authority to provide financial advice. Click here for more info about our Disclosure.
Cong.Nguyen@smartmortgages.co.nz
0223985140
Monday - Sunday by appointments
44 William Wallbank Crescent, Swanson, Auckland 0614
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