Your Trusted Guide to Smarter Home Loans
Empowering Kiwis to buy, invest, and thrive through tailored mortgage advice.
Welcome to ezloan. Whether you're buying your first home or expanding your property portfolio, you're not just getting a loan—you're gaining a lifelong partner. I simplify the mortgage process with clarity, care, and strategic insight tailored to your journey.
500+ Kiwis Helped
Achieve homeownership
More Than a Mortgage Broker
Hi, I'm Andreas Wijaya—a mortgage adviser with a deep passion for educating people to make smarter financial decisions. I work alongside a trusted team of professionals, including accountants, lawyers, and property experts, to provide holistic support throughout your homeownership journey.
Mortgage Advice Made Human
Comprehensive mortgage solutions tailored to your unique situation and goals
What Clients Say
Real stories from Kiwis who achieved their property goals
"We would highly recommend Andreas as a mortgage broker to anyone serious about buying there first home."
Ronald Watson and Irma Mulyanti
First Home Buyer
"If you’re thinking about refinancing and need someone to guide you through it, I can’t recommend Andreas enough. Honestly, it felt less like dealing with a finance person and more like having a really knowledgeable friend in my corner. If you want someone who knows what they’re doing and genuinely cares, Andreas is your guy!"
Anonymous
Refinancing Mortgage
"Working with Andre has been an absolute blessing. From the very beginning, he treated us like family—always approachable, genuinely caring, and fully invested in helping us achieve our goals."
Lia Yosaatmadja
"Definitely talk with Andreas. He knew exactly what we were asking about and made the process seem straightforward and had options for every step of the way especially helpful for those who have no idea where to start."
Anonymous
Insights That Empower
Stay informed with the latest mortgage and property insights
Let's Start With a Conversation
Ready to move forward or just have questions? I'm here to help, not to pressure. Get in touch via the form below or reach out on social media.
Frequently Asked Questions
Get answers to the most common mortgage questions from Kiwi homebuyers
How much can I borrow for a home loan in NZ right now?
Your borrowing power depends on your income, deposit size, expenses, and credit history. Most lenders will lend up to 6–7 times your income, but it varies.
💡 Tip: Book a free assessment with me and I will give you an estimate in minutes.
What deposit do I need to buy a house in NZ?
Standard deposit: 20%
First-home buyers: Some banks accept 10% or even 5% with conditions.
I will help you find the lender that fits your situation.
Can I use my KiwiSaver to buy a house?
Yes! You can withdraw from KiwiSaver for your first home, provided you've been contributing for at least 3 years.
We can guide you through the KiwiSaver withdrawal process.
What's the difference between fixed, floating, and offset mortgages?
| Type | What it Means |
|---|---|
| Fixed Rate | Same payment each month, rate locked in |
| Floating Rate | Rate moves with the market, flexible payments |
| Offset Loan | Links to your savings to reduce interest |
I will help you choose the right option based on your goals.
Should I split my mortgage into fixed and floating?
Many Kiwis do a split loan; part fixed, part floating (to get flexibility + certainty). I will help structure your loan for the best outcome.
What documents do I need to apply for a mortgage?
Usually:
- Passport or NZ Driver's Licence
- Proof of income (payslips or tax returns)
- Bank statements
- Proof of deposit (savings or KiwiSaver)
I will give you a simple checklist when we chat.
When should I refinance my home loan?
Consider refinancing when:
- Interest rates drop
- Your property has gone up in value
- You want to pay off debt faster
I will review your loan for free to see if it's worth it.
Are there break fees for exiting a fixed mortgage early?
Yes. If you leave a fixed loan before it expires, you might face break fees. I help calculate whether refinancing is still worth it.
Can I get a mortgage if I'm self-employed?
Yes, but it's a bit different. You'll usually need:
- 6–12 months of business bank statements
- Recent tax returns
I help self-employed clients all the time.
What are the hidden costs of buying a home?
- Legal fees
- Valuation costs
- LIM reports
- Moving costs
I help you budget for these upfront.
Still have questions?
Get personalized answers to your mortgage questions in a free consultation.