Home Loans

Expert commercial lending advice for New Zealand businesses seeking finance for property purchases, business growth, equipment, development projects and working capital requirements.

Property decisions shape your financial future. Whether you’re buying your first home, upgrading, investing or building a property portfolio, the right advice can help you build wealth faster and avoid costly mistakes.

Our advisers provide independent guidance on lending strategy, ownership structures and financial risk, helping ensure every property decision supports your long term financial goals.

Every client’s situation is different. That’s why we take the time to understand not only where you are today, but where you want to be in five, ten and twenty years’ time.

Our advisers work alongside clients through key property milestones, helping them navigate changing circumstances, evolving goals and new opportunities as they arise. From reviewing existing lending arrangements to exploring future property plans, we provide ongoing guidance designed to support better financial decisions over time.

In 2026, Finsol was named New Zealand’s Specialist Mortgage Adviser of the Year at the KAN Excellence Awards. This achievement reflects our commitment to delivering outstanding advice, exceptional client outcomes and a higher standard of service.

Whether meeting in person or online, our straightforward process makes it easy to access experienced advice from anywhere in New Zealand.

Simplify your property journey.

01

Let’s chat

We start by getting to know you, your goals, and what’s driving your next move – whether you’re buying your first home or an investment property.

02

Understand what’s possible

Together, we look at your numbers: what you can borrow, what you should borrow, and how to keep your lending manageable now and down the track.

03

Build a smart structure

From loan type to repayments and everything in between, we’ll structure your lending with intention. Not just to get approved, but to support your long-term financial goals.

04

Handle the details

The paperwork, the back-and-forth, the fine print, all taken care of. We’ll keep you informed, supported, and in control, minus the stress.

05

Stay on track

As life changes, your lending structure should too. We’ll check in, review, and adjust when needed, so your lending keeps working for you.

06

Bigger picture focus

A home loan is just one piece of your financial puzzle. We help you look ahead to investing, building equity, and growing long-term wealth – with the right advice to get you there.

Our Home Loan advisers.

Meet the team behind smarter lending advice, helping you borrow well and build wealth.

Paul Ejamme
North Auckland

Paul Ejamme

Financial Adviser

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Stuart Wilson
Hawke's Bay

Stuart Wilson

Financial Adviser

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Emma Fletcher
Hawke's Bay

Emma Fletcher

Financial Adviser

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Kareem Hanna
Christchurch

Kareem Hanna

Financial Adviser

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Nadeesha Ranasinghe
South Auckland

Nadeesha Ranasinghe

Financial Adviser

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Doug White
North Auckland

Doug White

Financial Adviser

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FAQs

Deposit requirements typically range from 5% to 30%, depending on whether you’re a first-home buyer, upgrading, or investing. Once we’ve got a bit of info from you, we’ll give you clear guidance on what’s needed for your situation

In some cases, you could be pre-approved in as little as three business days. Generally, we recommend allowing 7–10 business days. Every situation is different, and sometimes complex details or surprises can pop up — but we’ll work closely with you to navigate anything that comes up and get you the best result. 

In most cases, there’s no cost or obligation. Only in rare situations would a fee apply — and if it does, we’ll be upfront and let you know before any advice is given or work continues. You’ll always be in control.

A Finsol adviser works for you, not the bank. We compare multiple lenders and tailor your loan structure to suit your unique financial situation and goals. More than just securing a mortgage, your Finsol adviser looks at the bigger picture to help you make smarter property decisions with confidence. 

All of our advisers are fully qualified and trained to review your complete financial situation. By taking a holistic approach, we can identify areas where your finances could be improved, helping you make informed decisions and strengthen your overall financial wellbeing.

Yes. We work with many self-employed clients, including contractors and business owners. Lenders may require extra documentation, but we’ll help you present your income and financials in the best possible light.

This depends on your income, expenses, debts, and deposit size. We’ll crunch the numbers across different banks and lenders to give you a realistic borrowing range and help you structure things wisely. 

Having a less-than-ideal credit history doesn’t automatically rule you out. Some lenders are more flexible than others, and we’ll help you understand your options and take steps to strengthen your application.

The first meeting is all about you. We’ll take the time to understand your goals, where you’re at now, and what you’d like to achieve. It’s a relaxed conversation where we ask the right questions, listen carefully, and gather the key details we need to give you tailored advice. You’ll walk away with more clarity and a plan that makes sense for your next step. 

If you decide to move forward, we’ll use smart online tools to gather your key documents and prepare a strong mortgage application tailored to the right lender. We handle the paperwork, submit on your behalf, and guide you through pre-approval and beyond. You’ll get clear communication and expert support every step of the way — all focused on helping you achieve the best possible property outcome. 

Yes. Your relationship with us doesn’t end once your loan is approved. We’ll stay in touch and provide ongoing guidance when it’s time to refix, refinance, or restructure — so your mortgage always works in your favour.

Home Loan Calculator

Use this calculator as a guide to find out what your home loan repayments could be.

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KiwiSaver

KiwiSaver with a purpose. We match your fund and strategy to your goals and timeline, whether you’re decades from retirement or preparing for your first home.

I had an exceptional experience with Finsol. From the very start, they displayed a remarkable level of professionalism and expertise. Paul Ejamme is knowledgeable and attentive and went above and beyond to find the perfect mortgage option tailored to our needs. His communication was prompt and clear throughout the entire process, making what could have been a daunting task surprisingly smooth and stress-free.

Karl Turner

Stuart at Finsol has been an amazing advisor for us while going through the process of securing a mortgage. With his previous banking experience, he is a wealth of knowledge, and he always went above and beyond to answer any questions we had, no matter how big or small. He kept everything on track and the process went very smoothly. Thanks so much for all your help!

Emily Armstrong

Highly recommend Emma – she went above and beyond to help us sort our mortgage when we needed it done within 5 days. She’s been amazing to deal with throughout the whole process. Gareth was also great for our initial consultation and gave us some really good advice.

Eleanor Muriwai

Highly recommend! Kareem assisted with our first home purchase and re-financing, great advice given. Communication effective and managed our home loans efficiently. Very accommodating as availability was apparent throughout our timeframe. Beyond happy with the service we trusted Kareem throughout the whole process and felt heard and confident the actions taken were with the intention of our best interests.

Jodi Taylor

Kareem helped my partner and I purchase our first home and we couldn’t have asked for a better experience! He was beyond helpful, answering all of our questions and clearly talking us through the process. Would definitely recommend!

Sara Bray

I would 100% recommend Kareem to anyone looking for financial advice. My husband and I found Kareem to be super approachable as we navigated buying a house. Throughout the process Kareem kept us up to date, was super realistic with us and also helped us with our insurance needs, as well as introducing us to his colleague so we could ensure our Kiwisaver set up meets our needs. As people who didn’t know where to start we really appreciate the work Kareem put in to help us get our house. We super appreciate that Kareem was also able to accommodate and work around my husband’s work hours! Such a small thing, means so much and makes the process less stressful.

Kay McIntosh

We’ve been working with Paul and Finsol for the last six years. What started as help with our mortgage has grown into a long-term relationship for trusted financial advice. From day one, he has taken the time to truly understand our circumstances and provided expert advice that gives us confidence in our financial decisions. His communication is always timely, clear, and reassuring. Beyond his deep knowledge and helpful guidance, what we value most is the genuine trust and strong relationship we’ve built together over the years. We also worked with Amanda, who is always prompt, incredibly helpful, and takes the time to thoroughly answer all our questions and explain the entire process. Thank you so much for all your help and support!

Quentin and Rachael Hunter

I met Paul at FINSOL a few years back through a realestate agent when I needed help setting up my mortgage. He was very professional, proactive, knowledgeable and kind. He then helped me with all of my insurance needs, understanding my financial and personal position he recommended policy’s that best suited my situation. Paul made the process very easy and stress free considering the rather stressful circumstances at the time. Recently I have made a claim due to a serious sporting injury. Samara at FINSOL has been incredibly supportive, professional, patient, understanding and kind. She handled the claim swiftly, followed up regularly and helped me to process the paper work very easily. I can highly recommend this team for all your mortgage and insurance needs!!!!

Joanna Geerlings

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