If you have tried to apply for a mortgage as a self-employed borrower already, you know how difficult it can be.

If this is your first mortgage as an self-employed person, you are in the right place for great advice.

Lenders often see business owners as high risk and financially unstable, making the lending process particularly difficult for those who pay their own wages.

I don’t shy away from tricky lending situations, I have been supporting entrepreneurs with their mortgages in Takapuna and the North Shore for over 20 years.

As your mortgage broker, I have the experience and expertise to find the best lenders and mortgage options for self-employed business owners.

Self-employed business owners are busy, my services will save you time and keep you on track for tight banking deadlines, better yet my services to you are free.

I am paid a commission by the bank, only when your mortgage is secure and successful.

to discuss lending options for the self-employed home loan

Part of my service offering is to walk you through the complete process and keep things on track. I will ensure you go through all these steps on time and with the right documents in tow. Here you can get an idea of the lending process and my service to you.

Meeting and Chat

Self-employed people are some of the trickiest to secure lending for. It’s important that we spend the time, so I can understand your business and the financials around it, so we can best present your application to the lenders.

Self-Employed Application Success

The documentation for business owners can be lengthy, but it is crucial for successful applications. We will work together to prepare the documentation based on each lender’s specific lending criteria.

Summary and Action Steps

To keep your mind clear and free for other things, I will send you a summary of our initial meeting that you can refer to whenever you need. I will also include a full list of the action steps we need to take to prepare for the next steps of the lending process.

Top 5 Important Characteristics for Lenders

Entrepreneurs typically have the toughest time meeting the requirements for a lenders risk assessment. I know the characteristics and how to best highlight these to the lenders. In cases where your situation may still not meet these characteristics, we will create an action plan to make improvements before submitting an application.

Indicative Financial Assessment

Along with the summary I will do a very detailed indicative financial assessment. This means I will calculate your costs and expenses to compare your income to the expenses you would have in a new home with a mortgage. This serves as a starting point to determine what we can achieve through a mortgage.

Total Cost of Home Ownership

To ensure you are fully prepared for the costs of homeownership, I provide indicative costs for your new home including, mortgage fees, insurance, rates, legal fees, valuation costs, and much more.

Self-Employed Buyers Checklist

There’s many documents to put together and strict timelines once the mortgage process gets underway. This checklist helps keeps us on track and ensures no documents are missed in the process.

Options for Deposits

Self-employed borrowers do have several resources they can look to, to raise their deposit. We will explore every avenue available to ensure you have a healthy deposit to start your mortgage.

This is a quick overview of securing a mortgage to give you an idea of the process. When you work with me, I will take you through this process to ensure you find the best lender and self employed mortgage available to you. If you are ready to get started or want to ask a few more questions, please don’t hesitate to contact me.


    • Oliver is an incredibly proficient and easy to deal with mortgage broker. Oliver makes what can be a stressful process, easy and straightforward. We have used Oliver for both residential and commercial borrowing for over 12 years and wouldn't hesitate to recommend him.

      Cherie Mobberley Avatar Cherie Mobberley
    • I gotta give a shoutout to Oliver, our mortgage broker, who absolutely killed it when it came to our mortgage application with the banks in NZ. One of us is self-employed, and we were worried about securing a mortgage as we weren't successful 18months ago with another broker. But Oliver put our minds at ease with his expertise. He was super responsive and kept us updated throughout the process and give us hope of buying our first home. He even took the time to answer all our questions (and trust me, we had a lot!). In the end, Oliver secured us the home lone with the bank and found us an amazing rate that totally exceeded our expectations. We couldn't be happier with the service he has provided. If you're looking for a mortgage broker who's professional, reliable, and just all-around awesome, then Oliver is your person. Seriously, give him a call - you won't regret it!

      suchit kaushal Avatar suchit kaushal
    • We found Oliver to be very approachable when assisting us with our home loan enquires. Oliver gave us an explanation around all the options we had available and we did not feel pressured into having to take any specific options which can sometimes be the case. We even had some documents hand delivered for signing at our residence as we could not get to the offices at that very moment. Thank you Oliver.

      J C Avatar J C
    • Oliver has worked with our family for over 20 years and we will continue to use his expertise well into the future. He has personally help me purchase my first home and rental investment, and always finds us the best interest rates every time we refix. Oliver is your go to guy when it comes to buying property and I can't recommend him enough.

      Lis Garman Avatar Lis Garman
    • VERY happy with services, solutions and responsiveness from Oliver and his team. Happy to recommend him to anyone looking for financial services and advice.

      Michael Preece Avatar Michael Preece
    • Extremely good Mortgage Broker, would recommend to anyone. He was very helpful in getting us our first home, and guiding us through the mortgage process. Highly professional and a pleasure to work with.

      Liam Burke-Barton Avatar Liam Burke-Barton
    • Oliver is truly the best broker we have ever used. He assisted us with new build home loans, commercial finance and finance. He is super knowledgeable, helpful and honest. We have used Oliver for many years. He helps you every step of the way.

      Lara Kamionka Avatar Lara Kamionka
    • We cannot fault Oliver & highly recommend his services to potential clients. We've been using Oliver for almost a decade now and always think of him first when considering our finance requirements. This 5 star review is long-overdue and have recently recommended his services to some friends who we're certain will in no doubt recommend him also. Thanks always Oliver for your support and assistance with everything, it's always much appreciated. Wishing you all the best and we'll be in touch again soon. Thank you, Ian & Grace

      Ian Barry Avatar Ian Barry
    • Oliver provides concise mortgage advice enabling you to make informed decisions during the process. I have used Oliver's services several times over the years and each time been happy with the outcome.

      Patrick Long Avatar Patrick Long
    • Oliver is amazing he made the whole process of buying and selling super easy and hassle free. Would highly recommend

      Lisa Johnson Avatar Lisa Johnson