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About Us

Own it. Two simple words but when put together, become a powerful mantra in life and in business. Ralph Waldo Emerson, one of the arguably most influential writers of our time, used this idea of 'owning it' to get people to examine and imagine what it means to be successful to reach personal goals and achievements through authenticity and personal integrity. We at Own It Mortgages couldn't agree with this sentiment more. Do you Own It? Do you want to Own It? If your answer is 'Yes', we can help.

By Owning It, you challenge yourself -you know what you bring to the table your unique skills, talents and ideas. And let's not forget: your dream. Through your own set of desires, passions and set intentions, you can own it, whether it's a new home, a build, a refinance, an investment or another goal that sparks your pride and inspiration.

Own It Mortgages strives to put our best foot forward and help you achieve owning it whatever that means to you. Our model is simple-we want to help people become financially informed, make the best decisions for themselves and guide them through the process to a successful future of ownership.  Our main objective is to blaze the trail for our clients in all facets up the mortgage ladder until the final goal is reached or owned! And your dream is finally realised, with us standing by your side every step of the way.  We fight for you the buyer, to ensure your needs are met with a full plethora of support and professionalism behind you. We at Own It Mortgages wouldn't have it any other way, and neither should you. 

Our educated mortgage advisors are here to help you make decisions, and lead you toward your next big dream-How do we accomplish this?

  • Interact with all professional persons on your behalf, such as solicitors, real estate agents, banks, evaluators, and much more
  • Secure the lowest interest rates per qualification
  • Negotiate with different banks and other lending institutions on your behalf
  • Free up cash from the bank on your move in day to assist with your moving costs
  • Discuss the option of using your Kiwi Saver and Home Start Grant
  • Review your mortgage on a regular basis and determine if discounted interest rates are available for you
  • We help out on move day with a complimentary moving trailer and also some pizzas on the move-in day because we know how hard move in day can be!

Now that is personalised service! We hope you agree that Own It Mortgages is in the business with you- the self-determined, inspired, talented client. Let us lead you on your way toward owning the next big thing in your life - your dream!


Meet The Team

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Our License Information

Licence status and conditions

Prosper Group Limited (FSP81063) holds a licence issued by the Financial Markets Authority (FMA) to provide financial advice. Ownit Mortgages Limited (FSP1005820) is authorised by that licence to provide financial advice. 

Nature and scope of the financial advice given.

Ownit Mortgages Limited provides advice to our clients about their mortgages. We only provide financial advice from the following product providers:

Mortgage Lenders: ANZ, ASB, Westpac, Bluestone, Sovereign, The Co-Op Bank, Avanti, CU North, CU Baywide, SBS, Liberty, Resimac, BNZ First Mortgage Trust, Heartland Bank, Southern Cross, Prospa.


We do not provide advice on KiwiSaver or Investments.

Any financial advice we provide will only consider the information you have given us about your particular needs, financial situation or goals.

Our duties

Ownit Mortgages Limited and anyone who gives financial advice on our behalf, have duties under the Financial Markets Conduct Act 2013 relating to the way that we give advice. We are required to:

  • give priority to your interests by taking all reasonable steps to make sure our advice isn't materially.
    influenced by our own interests.
  • exercise care, diligence, and skill in providing you with advice.
  • meet standards of competence, knowledge and skill set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure that we have the expertise needed to provide you with advice)
  • meet standards of ethical behaviour, conduct and client care set by the Code of Professional Conduct for Financial Advice Services (these are designed to make sure we treat you as we should, and give you suitable advice).

This is only a summary of the duties that we have. More information is available by contacting us, or by visiting the Financial Markets Authority website at https://www.fma.govt.nz.

The Code of Conduct standards can be read here: https://www.fma.govt.nz/assets/assets/code-of- professional-conduct-for-financial-advice-services.pdf.


No fees, expenses or other amounts payable for our financial advice

We do not charge any fees, expenses or any other amounts for financial advice given to you. 

Most of the time, our services are completely free. That is because instead of being paid by you, we receive revenue from our product suppliers like banks and insurers.

We feel it's important you understand how we are paid, after all we ask the exact questions to you when applying for a home loan.

Circumstances where fees may be charged:

  • Speciality Residential Home Loan purchase - Either the result of credit impairment like defaults or the loan is complex by nature. We will inform of you when this is the case.
  • Fees for lending examples outlined below are charged at 1% of the loan amount.


How we are renumerated

For Mortgages, Ownit Mortgages Limited and the financial adviser receive commission from the banks or lenders with whom we arrange the mortgage. If you decide to take out a mortgage, the bank or lender will pay a commission to your financial adviser. The amount of the commission is based on the amount of the mortgage. 


How we manage any conflicts of interest or other incentives

To ensure that our financial advisers prioritise the client's interest above their own, we follow an advice process that ensures our recommendations are made on the basis of the client's goals and circumstances.

All our financial advisers undergo annual training about how to manage conflicts of interest.

We also undertake a compliance audit, and a review of our compliance programme annually by a reputable compliance consultancy firm.


Internal complaints process

If you have a problem, concern, or complaint about any part of the financial advice you have received from us, you may contact us using any of the following means: in writing, by telephone or by email. Here are our contact details.

Company Name

Ownit Mortgages Limited

Attention The Complaints Officer

43 Fairview Road, Western Heights, Rotorua

Telephone 021 921 841
Email address [email protected]


Our Complaint Handling Process

  • When we receive a complaint, we will consider it following our internal complaints process:
  • We will consider your complaint and let you know how we intend to resolve it. We may need to contact you to get further information about your complaint.
  • We aim to resolve complaints within 15 working days of receiving them. If we can't, we will contact you within that time to let you know we need more time to consider your complaint.
  • We will contact you by phone or email to let you know whether we can resolve your complaint and how we propose to do so.
  • If we can't resolve your complaint, or you aren't satisfied with the way we propose to do so, you can contact Financial Dispute Resolution Services.


Dispute resolution process

If our internal complaints process does not resolve your complaint to your satisfaction, you can contact our external independent dispute resolution scheme. This service is free and may help investigate or resolve the complaint.

We are a member of the Financial Dispute Resolution Services' dispute resolution scheme. You can contact the Financial Dispute Resolution Services at:

Company Name Financial Dispute Resolution Services.
Postal Address PO Box 2272, Wellington 6145.
Telephone 0508 337 337
Email address

[email protected]

Website https://fdrs.org.nz/


Our Contact Details

You can contact us at:

Company Name

Company Name

Ownit Mortgages Limited


43 Fairview Road, Western Heights, Rotorua

Telephone 021 921 841
Email address [email protected]
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