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.

Contractors & business owners

Self Employed

Lending for the self-employed: retained earnings, shareholder salary, add-backs and how to present two years of financials.

Latest guides

Articles in self employed.

Self Employed01

How lenders read self-employed financials line by line

The specific figures every bank looks for, and why.

7 min read

Read article

Self Employed02

One year vs two years of financials — when either works

The specific lenders and situations that accept one-year records.

5 min read

Read article

Self Employed03

Add-backs: the income banks will and won't count

The rules around depreciation, interest, one-offs and shareholder salary.

6 min read

Read article

Explore more of the Knowledge Centre.

Buying your first home

Ready to talk?

Free 30‑minute discovery call. No obligation, no jargon.

Book a consultation Contact Vincent

Self Employed

Articles in self employed.

How lenders read self-employed financials line by line

One year vs two years of financials — when either works

Add-backs: the income banks will and won't count

Explore more of the Knowledge Centre.

First Home Buyers

Interest Rates

Refinancing

Investment Property

Ready to talk?