The happiest way to your first Home (AND BEYOND).
Click Get Started and answer a few quick questions. We’ll check if we’re the right fit, then book a free ten-minute call to discuss your options.
Who we help
Your first home, sorted. We walk you through the whole process, from your first chat to picking up the keys, no jargon, just honest advice.
Already on the ladder? We check you're not overpaying. We compare your options and make sure your mortgage still works for you.
Ready to move up? We help you use your equity to make the jump to your next home, without the stress.
Building a portfolio? We structure your lending the smart way, so your properties work as hard as you do.
Hear from our clients
Why helloYello?
No cost to you
The lender pays us when your loan settles. You get expert advice, without the bill.
Lending built for you
We compare lenders, negotiate sharper rates and structure your loan around your goals, for less interest and more flexibility long term.
We handle the hard stuff
We prep the application, chase the paperwork and deal with the banks, so you stay informed without the legwork.
WHY WE DO what we do
There's a mountain of paperwork, terms you've never heard of, and a six-figure decision riding on getting it right.
No wonder your first home purchase feels nerve-wracking as well as exciting. Every buyer feels it, you're not doing anything wrong.
That's where we come in. We walk you through every step, translate the jargon, and give it to you straight, no fluff, no sales pitch.
From your first phone call to picking up the keys, you'll always know exactly where you stand.
We're registered Mortgage Advisers and we help with refinancing, investment and everything in between too!
But first home buyers are who we know best. It's likely the biggest financial decision of your life so far, and we're here to make sure you get it right, not just get it done.
We’re on a mission
to make first-home buying
simple and stress-free.
With expert knowledge, straight-up advice, and a customer-centric approach, we help you turn your home ownership dreams into reality.
OUR Process
Step 1 - Mortgage Ready
Banks want to know you're a safe bet. We make sure yours sees it that way.
Start with this form.
We'll call, explain the numbers, and tell you what you can actually borrow.
You send us the paperwork, we handle the rest.
FREQUENTLY ASKED QUESTIONS
Should I go to the bank or use an adviser?
A bank can only offer its own lending options. HelloYello can compare different lenders and find those that best fit your situation.
Every lender has different policies, rates and approval criteria. The right option depends on your income, deposit, property and future plans.
HelloYello also manages the application and guides you through each step.
How much does an adviser cost?
In most cases, there is no direct cost to work with HelloYello. We are paid a commission by the lender once your loan settles.
Some rare situations may require a fee. If a fee applies, HelloYello will explain it before starting any work.
Do I have to be in Auckland to work with you?
No. HelloYello helps clients throughout New Zealand.
Most meetings happen by phone or video call. Documents can also be completed and shared online, making the process simple wherever you live.
Which lenders do you work with?
HelloYello works with a broad range of New Zealand banks and non-bank lenders.
Each lender has different policies and areas of strength. We compare suitable options based on your circumstances, rather than squeezing every client into the same box.
How can you get me the cheapest interest rates?
HelloYello can access special interest rates that lenders do not always advertise.
But getting a great rate is only part of the picture. We also make sure your mortgage structure suits your situation and future plans.
Get that part wrong, and it could cost you much more than a small difference in interest rates over the life of your mortgage.
Can you help me refix, restructure or refinance my mortgage?
Yes. HelloYello can review your current mortgage and help you assess the available options.
That may include selecting a new fixed term, changing your loan structure or refinancing to another lender.
We will also consider possible break fees, cashback clawbacks and refinancing costs before recommending a change.
Are there any additional or hidden fees?
HelloYello does not hide fees.
Buying or refinancing may involve other costs, including solicitor fees, valuations, building reports or bank fees.
Some lenders may also charge break fees or recover cashback if you refinance early. We will explain any known costs before you proceed.
How much can I borrow?
Your borrowing capacity depends on more than your income.
Lenders also consider your deposit, debts, regular expenses, dependants, employment and the property you plan to buy.
HelloYello can review your position and give you a realistic price range before you start making offers.
How much equity do I have?
Your equity is the difference between your property’s current value and the amount secured against it.
For example, a property worth $800,000 with a $500,000 mortgage has $300,000 in equity.
The amount you can use may be lower. HelloYello can calculate your usable equity and explain your options.
What documents do I need to provide?
Most lenders require proof of income, identification, bank statements and details of your deposit and debts.
The exact documents depend on your situation. Self-employed applicants, investors and trust borrowers may need to provide more information.
HelloYello will give you a clear list before starting your application.
How long does mortgage approval usually take?
Timing depends on the lender, application type and current turnaround times.
A straightforward application may take several working days. Complex applications can take longer, especially when valuations or extra documents are required.
HelloYello will set expectations upfront and keep you updated throughout the process.
How do I get started?
Complete HelloYello’s quick online mortgage pre-check and tell us about your plans.
Our team will review your information and contact you about the next steps. You can also contact HelloYello directly.
A few of our awards
HelloYello is proud to have been recognised across the mortgage advice industry. These awards reflect the care, energy, and detail we put into helping our clients make confident lending decisions.
