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.

Rates, terms & the market

Interest Rates

How mortgage rates are set in New Zealand, how to think about fixed vs floating, and how to choose a term that suits your life.

Latest guides

Articles in interest rates.

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Fixed, floating or split — how to choose

Not all rate strategies are equal. A framework for picking the right blend.

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Interest Rates02

Why bank advertised rates are almost never the real rate

How adviser channels and volume unlock sharper pricing.

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When it makes sense to fix long — and when it doesn't

The two situations where 3+ year terms genuinely pay off.

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Explore more of the Knowledge Centre.

Buying your first home

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Interest Rates

Articles in interest rates.

Fixed, floating or split — how to choose

Why bank advertised rates are almost never the real rate

When it makes sense to fix long — and when it doesn't

Explore more of the Knowledge Centre.

First Home Buyers

Refinancing

Investment Property

Offset Accounts

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