Does it cost anything to work with Vincent Uys?

No. Vincent's mortgage advice is free to consumers. Lenders pay a commission for arranging the loan, and the exact amount is disclosed to you before you sign.

Which lenders does Vincent Uys work with?

Through Base Mortgages, Vincent is accredited with all major New Zealand banks (ANZ, ASB, BNZ, Westpac, Kiwibank, Co-operative Bank, SBS, TSB) plus specialist non-bank lenders, allowing whole-of-market comparison.

What is the difference between a mortgage adviser and a bank's mobile lender?

A bank mobile lender can only offer their bank's products. An independent mortgage adviser like Vincent Uys compares multiple lenders, negotiates on your behalf and acts in your interests, not a single bank's.

How long does mortgage approval take in New Zealand?

For straightforward applications, pre-approval usually takes 5 to 10 business days after submission. Complex situations such as self-employed, new to New Zealand or construction lending can take longer.

Can Vincent help self-employed borrowers?

Yes. Self-employed lending is a speciality. Vincent understands how each lender treats retained earnings, add-backs and shareholder salary, helping match your application to the lender most likely to approve it.

Where is Vincent Uys based and does he work remotely?

Vincent is based in New Zealand and works with clients nationwide via video call, phone and email. Most clients complete their entire lending process remotely.

Does it cost anything to work with Vincent?

No. My advice is free to you — the bank pays me a commission for arranging your lending. You’ll always be told exactly how much I earn on your loan before you sign anything.

Which banks and lenders do you work with?

Base Mortgages holds accreditation with all major New Zealand banks (ANZ, ASB, BNZ, Westpac, Kiwibank, Co‑operative, SBS, TSB) plus specialist non‑bank lenders — so we compare across the market rather than push one product.

What’s the difference between a mortgage adviser and a bank’s mobile manager?

A bank’s staff can only offer that bank’s products and policies. As an independent mortgage adviser, I compare multiple lenders, negotiate on your behalf and act in your interests — not any single bank’s.

How long does mortgage approval take in New Zealand?

For straightforward applications, pre‑approval is typically 5–10 business days after we submit. Complex cases (self‑employed, new to NZ, construction) can take longer — I’ll set clear expectations up front.

I’m self‑employed. Can you help?

Yes. Self‑employed lending is one of my specialities. I know how each lender treats retained earnings, add‑backs and shareholder salary — which means we go to the bank most likely to say yes.

Where are you based and do you work remotely?

I work with clients across New Zealand — by video call, phone and email. Most of my clients never step into an office.

Independent · Base Mortgages · FSP1012855

Your trusted guide to the New Zealand property market.

Helping first home buyers, families, investors and homeowners make smarter mortgage decisions with confidence.

Free advice, always.

My service costs you nothing — the bank pays me for arranging your lending. Full disclosure before you sign.

25+

5‑star Google reviews

100s

Clients helped

Years experience

Rated 5.0 across 25+ Google reviews

Registered Adviser

Vincent Uys

FSP1012855

Under FAP

Base Mortgages

FSP1011808

Operating under licence of Base Mortgages

FSP1012855

Registered Financial Adviser

5.0 · 25+ Google reviews

100s of clients helped

5+ years in residential lending

Whole‑of‑market lender access

Free to you — the bank pays my fee

Operating under licence of Base Mortgages

FSP1012855

Registered Financial Adviser

5.0 · 25+ Google reviews

100s of clients helped

5+ years in residential lending

Whole‑of‑market lender access

Free to you — the bank pays my fee

Savings Estimator

Could you be paying less each month?

Compare your current mortgage against a potential new rate. Everything runs in your browser — no details are captured.

Mortgage calculator

Enter your current loan details and a rate to compare.

Loan balance

Current interest rate

% p.a.

Years remaining

yrs

Potential new rate

% p.a.

Current monthly payment

$4,615

At 7.05% over 25 years

New monthly payment

$4,328

At 6.35% over 25 years

Estimated monthly saving

$287

per month

Per year

$3,440

Over the loan

$86,010

Estimates only. Assumes a table‑loan, no fees and unchanged rate. Your actual savings depend on lender policy, break costs and loan structure. Talk to Vincent for a personalised assessment.

Why choose Vincent

The reasons Kiwis choose to work with me.

Every decision I make on your behalf is guided by one thing: what actually helps you secure the right loan, at the right terms, from the right lender — without stress.

Five years inside the banks

I’ve spent five years approving and structuring lending from the bank’s side of the desk. That insider view now works entirely for you.

Whole‑of‑market access

Accreditation with every major NZ bank plus specialist non‑bank lenders. I compare, you choose.

Free advice, always

You never pay me. The bank pays a commission for arranging your loan — fully disclosed before you sign.

Straight talk, no jargon

You’ll understand every number and every clause. No pressure, no upsell, no fine print surprises.

Fast, prepared applications

I package your file the way lenders want to see it, so approvals move quickly and cleanly.

An adviser for the long term

I review your lending every fixed‑term rollover — your mortgage keeps working long after settlement.

Vincent Uys, mortgage adviser in New Zealand

Credentials

FSP number

FSP1012855

Operating under FAP

Base Mortgages · FSP1011808

About Vincent

Five years inside the banks. Now on your side of the desk.

Most home‑loan conversations happen in a language borrowers don’t speak. I’ve spent five years inside New Zealand’s major banks — assessing, approving and structuring hundreds of residential loans. I saw exactly why some applications sail through and others quietly die in a queue.

As an independent adviser, I use that insider view to prepare, negotiate and structure lending across the market on your behalf. The result is fewer surprises, better rates, and lending that fits how you actually live — not a template built for the bank’s spreadsheet.

Qualified in Financial Management — with 5+ years focused on residential lending.
Worked across several of New Zealand’s major banks in home lending and credit.
Approved and supported hundreds of applications from the bank side of the desk.
Now independent — comparing lenders across the market, not selling one bank’s book.

“Mortgages are about people, not just numbers.”
Vincent Uys · Mortgage Adviser

What I do

Lending advice for every chapter of the journey.

Six focused areas of residential lending. Choose the one closest to where you are today — explore in depth, or start a conversation.

Buying your first home

First Home Buyers

From KiwiSaver to keys — a first home, made straightforward.

Buying your first home in New Zealand is one of the most significant financial decisions you’ll ever make. I’ll guide you through KiwiSaver withdrawal, the First Home Grant, Kāinga Ora options, pre‑approval, and structuring an offer lenders will back.

KiwiSaver + First Home Grant. Understand exactly how much you can withdraw, whether you qualify for the grant, and how it affects your deposit.
Low‑deposit lending. Options for 5–10% deposits including Kāinga Ora First Home Loan and lender‑specific low‑deposit programmes.
Pre‑approval that wins. A pre‑approval structured so you can offer with confidence at auction or by tender.
Coach through every step. Offer strategy, solicitor introductions, insurance timing — you’ll never wonder what happens next.

Full first home buyers guide Book a call about this

How we’ll work together

A calm, four‑step process. No surprises.

Home loans should feel considered, not chaotic. Here’s exactly how a project with me unfolds — from first hello to the years after settlement.

01Step 1 of 4
Discovery call
30 min · free
A relaxed conversation about your goals, timeline and financial picture. No jargon, no pressure.
02Step 2 of 4
Strategy & lender match
Within 2 business days
I compare lenders across the market and design a lending structure tailored to your income, deposit and life plans.
03Step 3 of 4
Application & approval
Typically 5–10 business days
I prepare your file the way lenders want to see it, submit, and negotiate rate, cashback and structure on your behalf.
04Step 4 of 4
Settlement & beyond
Ongoing
Fixed‑term reviews, restructures and future purchases — I’m your adviser for the life of the loan.

Mortgage myths

The stories Kiwis believe — and the truth behind them.

The mortgage world runs on old advice and half‑truths. Here are the ten questions Kiwis ask me most — answered plainly.

The Fact

“Do I really need a 20% deposit?”

Vincent’s take

No. Many lenders will consider first home buyers with 10% — and sometimes 5% — by combining KiwiSaver withdrawal, the First Home Grant, and specialist low-deposit programmes like the Kāinga Ora First Home Loan.

Client stories

Testimonials from Kiwis in their own homes.

“Vincent helped us buy our first home — he coached us through the entire process. 100% recommended.”

Sarah & James

First Home Buyers · Auckland

“Expert advice, excellent communication and in‑depth banking knowledge made the mortgage process smooth and stress‑free.”

Michael K.

Refinance client · Wellington

“Vincent made buying our home from Auckland incredibly easy. Communication was outstanding — always informed, everything explained. Highly recommend.”

Priya & Aman

Homeowners · Napier

Verified reviews

Google Reviews — straight from clients.

Google

5.0

Based on 25+ reviews

Verified client

a week ago

Vincent was outstanding from start to finish. He took time to understand our situation and got us a better rate than we could find ourselves.

Verified client

a month ago

Made the whole refinance process incredibly easy. Explained everything in plain English and negotiated a great deal for us.

Verified client

a month ago

As a self-employed borrower I'd been declined twice. Vincent went to the right lender and had us approved in a week.

Verified client

2 months ago

Genuinely felt like Vincent had our best interests at heart. Zero pressure, endless patience with our questions.

Verified client

3 months ago

Bought our first home thanks to Vincent's coaching on First Home Grant + KiwiSaver. Would send anyone his way.

Verified client

4 months ago

Professional, prompt and honest. Restructured our lending and saved us a real amount each month. Highly recommended.

Read all reviews on Google

Watch, learn, decide with confidence.

Short, jargon‑free videos explaining how New Zealand lending really works — in the time it takes to make a coffee.

First Home8:42

Understand the market before you enter it.

Plain‑English guides on pre‑approval, DTI, refix strategy and more — written from inside the New Zealand lending market.

First home buyers01

How mortgage pre‑approval actually works in NZ

A pre‑approval isn’t just a number — it’s a conditional offer from a lender. Here’s what banks actually check, how long it lasts, and why yours might be worth more than you think.

4 min read

Read article

Investment02

What the new DTI rules mean if you own — or want to own — property

Debt‑to‑income limits reshape how banks assess borrowers. A clear explainer on the numbers, exemptions and how to structure lending under the new rules.

6 min read

Read article

Refinancing03

Fixed term rolling off? A 4‑step review to save thousands

Don’t let your bank auto‑roll you onto the standard rate. A short framework I use with clients to review, restructure and re‑price at every roll‑over.

5 min read

Read article

Start the conversation

A 30‑minute call could reshape your next decade.

No cost, no obligation, no jargon. I’ll listen first, ask the right questions, and give you a clear next step — whether that’s working together or not.

020 4045 2012 vincent@basemortgages.co.nz

Serving clients across New Zealand — remote first

Free to you. The bank pays me for arranging your lending — fully disclosed before you sign a thing.

Your trusted guide to the New Zealand property market.

Could you be paying less each month?

Mortgage calculator

The reasons Kiwis choose to work with me.

Five years inside the banks

Whole‑of‑market access

Free advice, always

Straight talk, no jargon

Fast, prepared applications

An adviser for the long term

Five years inside the banks. Now on your side of the desk.

Lending advice for every chapter of the journey.

First Home Buyers

A calm, four‑step process. No surprises.

Discovery call

Strategy & lender match

Application & approval

Settlement & beyond

The stories Kiwis believe — and the truth behind them.

Testimonials from Kiwis in their own homes.

Google Reviews — straight from clients.

Watch, learn, decide with confidence.

How to buy your first home in New Zealand in 2026

Using KiwiSaver + First Home Grant — the right way

Fixed rate rolling off? A 4‑step review

DTI rules explained — what they mean for you

Understand the market before you enter it.

How mortgage pre‑approval actually works in NZ

What the new DTI rules mean if you own — or want to own — property

Fixed term rolling off? A 4‑step review to save thousands

A 30‑minute call could reshape your next decade.

Book a free discovery call