House-hunting without pre-approval is like shopping without a wallet. We compare 15+ NZ lenders and have your pre-approval back within 48 hours, so you can put in offers with confidence and a clear budget. Free, no obligation.
Tell us a few details about your situation. A senior adviser will call you within 24 hours (business hours) to walk through the documents needed and get your pre-approval underway.
15 to 30 minutes on the phone or video call. We scope your situation, confirm your borrowing capacity, and send you a document checklist.
Payslips, bank statements, ID, and KiwiSaver balance. Most clients send everything through within 24 hours of the first call.
We submit to the lender most likely to approve you at the best rate. You get a written pre-approval letter so you can put in offers immediately.
Stories from clients pre-approved through Fundmaster
"Go talk to the guys at Fundmaster because they will set you up with goals that will achieve your end result, which is buying a house."
"Other brokers declined me. I saw a Fundmaster ad on Facebook and reached out. They worked really hard on my mortgage and got it sorted."
"My application was one of the toughest, but Rochelle, Dave and the team stood by us and got us into our first home. Highly recommend Fundmaster."
We're proud of the positive impact we've had on our clients' lives. Here are some heartwarming stories from Kiwis who've achieved their dreams with our help.
Andy and Annamarie dreamed of having their own nest to call friends and family to. Like many first-time buyers, they felt overwhelmed and unsure where to start. That's where Fundmaster stepped in. We guided them through the entire process, from clarifying their options to securing the perfect home loan. Today, they're proud homeowners, hosting gatherings in their very own space.
After moving to New Zealand, Vikram and Amrita felt lost in the unfamiliar property market. Our team, led by Dev, provided the local expertise and personal touch they needed. We helped them navigate the complexities of buying a home in a new country, turning what could have been a stressful experience into an exciting journey. They now highly recommend Fundmaster to anyone looking to buy their dream home in New Zealand.
Dev Dhingra · Founder, CEO and Principal Adviser, Fundmaster
I founded Fundmaster in late 2012 with a simple idea: mortgage advice should be personalised to your goals, not treated like just another loan application.
Thirteen years on, our team has helped over 10,000 Kiwi families into their homes and settled more than $2 billion in lending. In 2022 we were named NZMA Mortgage Brokerage of the Year. I still take client calls every week, because the day I stop talking to homeowners is the day I lose touch with what they actually need.
With the right documents in hand, we can usually have a pre-approval back from a lender within 48 hours. The slowest part is gathering documents from your end (payslips, bank statements, photo ID). We send you a clear checklist so nothing holds it up.
Photo ID, recent payslips (usually last 3), 3 months of bank and credit-card statements, and any KiwiSaver balance summary if you plan to use it as a deposit. If you are self-employed, financial statements for the last 2 years and an IR3 instead of payslips. We send you a clear checklist with the call.
Nothing. The lenders we work with do not charge for pre-approval, and our advice is free. You only pay when you settle on a home, and even then the lender pays us, not you.
Most lenders issue pre-approval valid for 60 to 90 days. If you are still house-hunting at the end of that, we get it extended (which usually just needs updated bank statements and a quick credit refresh).
It is a strong indication but not an unconditional guarantee. The lender will still want to value the actual property and confirm your situation has not changed. In practice, if your pre-approval is solid and you stay within the limits, the formal approval is straightforward.
Yes. We work with the lenders that accept Kāinga Ora First Home Loan applications and the ones offering 5% deposit on new builds. Tell us during the call what you are aiming for and we route the pre-approval to the right lender.
Free pre-approval in 48 hours across 15+ NZ lenders. House-hunt with confidence.
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