New Plymouth insurance advisers offering personal, business and rural insurance advice across Taranaki.
Home Loan Factory | HLF
Helping first home buyers cut through bank jargon and confidently step onto the property ladder
Legal & FinanceWellingtonChecked 11 November 2026
About Home Loan Factory | HLF
Buying your first home is an exciting milestone, but figuring out the finances can feel overwhelming. At Home Loan Factory (HLF), we make the entire journey simple, straightforward, and stress-free. We sit down with you to work out your borrowing power, explore low-deposit options, help unlock your KiwiSaver, and handle all the bank paperwork on your behalf. From your first questions to picking up the keys, we are your friendly guides every step of the way.
What you'll find on homeloanfactory.co.nz
HLF (Home Loan Factory) is a Wellington-based financial advisory team serving clients across New Zealand. They offer mortgages, KiwiSaver advice, and insurance services, working with multiple lenders to help clients find tailored solutions. For standard residential home loans, there are no out-of-pocket fees—advisers are compensated by lenders once the mortgage settles.
The service includes access to a network of lenders, help navigating applications, and rate comparisons. They provide online tools for calculating mortgage repayments, borrowing power, usable equity, and refinancing options. All services can be delivered remotely via phone, Zoom, WhatsApp, and email, so clients don't need to be based in Wellington.
No fees for standard residential home loans
Access to multiple lenders across New Zealand
Online calculators for mortgages and borrowing power
Serve clients nationwide, including remote areas
KiwiSaver and insurance advice available
Help for self-employed and non-standard applications
Who it's for
First-home buyers, self-employed individuals, property investors, and anyone seeking mortgage advice outside their bank's offerings. Particularly useful for those with non-standard circumstances or credit histories, and clients throughout New Zealand wanting personalised guidance without leaving home.
Services
First Home Buyer MortgagesHelp getting Pre-ApprovalLow-Deposit & Kāinga Ora First Home LoansLoan Structuring & Bank NegotiationsRefinancing & Refixing
Areas covered
Wellington, Porirua, Kapiti Coast, Lower Hutt, Upper Hutt, Wainuiomata, Northern Suburbs, Nationwide
Why customers choose Home Loan Factory | HLF
• Friendly, plain-English advice—no complicated banking jargon.
• End-to-end support, handling all the lender paperwork and back-and-forth for you.
• Access to a broad range of major banks and trusted New Zealand lenders to find the right fit.
• Deep local knowledge and guidance through KiwiSaver and low-deposit schemes.
• Approachable and supportive whether you are ready to buy this weekend or just starting to plan.
Questions about Home Loan Factory | HLF
What does a mortgage adviser do?
A mortgage adviser works on your behalf to secure the right home loan by partnering with multiple lenders across New Zealand. They answer questions, handle the application process, and help you compare rates, structures, and options to ensure your mortgage aligns with your long-term goals.
How much does a mortgage adviser cost?
For standard residential home loans, there are no out-of-pocket fees. Advisers are compensated via commission by the lender once your mortgage settles. Specialised applications may involve a transparent upfront fee agreed in writing beforehand.
Do I need to live in Wellington to use your services?
No, HLF helps clients across all of New Zealand, including remote areas like the Chatham Islands. Modern mortgage advising is conducted entirely remotely via phone, Zoom, WhatsApp, and email.