Banks are dropping their interest rates, your future home is calling.
Your Mortgage Done Right, First Time.
Advice that makes a difference
Your journey to home ownership starts here—with personal, expert guidance and the best lending options in the market.
Trusted. Strategic. 100% Kiwi-Owned.
Your Mortgage Done Right, First Time.
Advice that makes a difference
Your journey to home ownership starts here—with personal, expert guidance and the best lending options in the market.
Trusted. Strategic. 100% Kiwi-Owned.
Trusted By Major Banks & Lenders
Our Commitment to You
At Riverstone Finance, we believe your mortgage should work for you—not the other way around. Whether you’re buying your first home, refinancing, or investing in property, our team of experienced advisers are here to guide you every step of the way.
We’re not just here to get you a loan—we’re here to help you grow and secure your financial future.
Access to 20+ Lenders
More options mean better deals for you
Better Rates
Tailored loan structures for your needs
No Advisor Fees
Our advice is completely free - lenders pay us, not you!
We Work for You
Not the banks - your interests first
Nationwide Service
Apply from anywhere, anytime
5-Star Reviews
Trusted by many happy clients
Talking to a Riverstone Mortgage Advisor Won’t Cost you a Cent.
Whether you’re ready to buy or just want a second opinion, we’re here for it.
How It Works
Simple Steps to Owning Your Dream Home
1. Book a Chat
Obligation-free consultation to understand your goals
2. Expert Advice
From results-driven, trusted brokers
3. Best Deal
We negotiate the best rates and terms for you
4. Move Forward
Move in, refinance, or invest with confidence
Mortgage Calculator
Get an estimate of your monthly repayments
Trusted Lenders We Work With
Access to over 20 lenders means more options and better rates for you.
We have access to more lenders than most other advisors – and if you don’t quite fit the bank’s box, we can step in with our own custom solution for you.
Major Bank
Credit Union
Non-Bank Lender
Specialist Lender
Building Society
& More
Frequently Asked Questions
Get answers to common mortgage questions
What does a mortgage adviser do?
A mortgage adviser helps you navigate the complex world of home loans. We assess your financial situation, compare options from multiple lenders, and guide you through the application process. Our goal is to find you the best mortgage deal that fits your unique circumstances and long-term financial goals.
Do you charge any fees?
No, our mortgage advisory service is completely free to you. We are paid by the lenders when your loan settles, so you get expert advice and service at no cost. There are no hidden fees or charges – we believe everyone deserves access to quality financial guidance.
Should I go fixed or floating?
This depends on your financial situation and risk tolerance. Fixed rates provide certainty and protection from rate increases, while floating rates may offer flexibility and potential savings if rates fall. We often recommend a split strategy – combining both fixed and floating portions to balance security and flexibility. We’ll help you determine the best approach for your circumstances.
Which lenders do you work with?
We work with over 20 lenders including all major banks (ANZ, ASB, BNZ, Westpac, Kiwibank), credit unions, building societies, and specialist non-bank lenders. This gives us access to a wide range of loan products and competitive rates. If you don’t fit traditional lending criteria, we can also provide custom financing solutions through our network.
What kind of paperwork should I expect when applying for a home loan?
It’s not as overwhelming as people think. For most first-home buyers, the bank will simply ask for a few key documents such as photo ID, recent payslips, and a few months of bank statements.
That’s it to start with. However, be prepared for a few follow-up questions, as it’s normal for banks to request additional documents while reviewing your application. Think of it as part of the process. If you send ten documents, they might ask for one more to complete the picture.
At Riverstone Finance, we handle all of that back and forth for you, making sure the process stays smooth, efficient, and stress free.
What’s the difference between pre-qualification and pre-approval?
A pre-qualification is an initial assessment your adviser does to estimate how much you could borrow. It’s not a formal bank commitment but rather a guide to help you plan.
A pre-approval, on the other hand, is official confirmation from the bank, issued in writing. This is what you need if you’re serious about buying, especially if you plan to bid at an auction.
In short, pre-qualification gives you an early indication from your adviser, while pre-approval gives you confirmed borrowing power from the bank. Pre-approval gives you confidence and real buying power.
What’s the best home loan structure for flexibility and control?
A smart approach is to split your loan across multiple fixed terms such as six months, one year, and two years. This helps average out your interest rate and manage risk if rates change.
Adding a revolving credit facility can also be powerful. It allows you to use your income to reduce interest costs while keeping funds available when needed.
This combination gives you flexibility, control, and long term savings, which are key ingredients in a well structured mortgage.
Should you ever break a fixed rate?
Sometimes yes, especially when interest rates are dropping. Breaking a fixed loan early can save you money, but it depends on your situation.
A good adviser will calculate the break cost and help you determine whether the potential savings outweigh the fees.
At Riverstone Finance, we review your loan strategy regularly so you’re always in the best position, whether that means staying put or making a smart move early.