Helping Kiwis Secure Their Dream Home
Expert mortgage advice for first home buyers, investors, and everyone in between. Free consultations, personalised solutions, and access to the best rates across New Zealand's leading lenders.
- Apply from anywhere, anytime
- Get step-by-step guidance from our team of expert advisers
- Access competitive rates and find the best option from over 20+ lenders
Trusted by 20+ leading lenders across New Zealand
WHY CHOOSE US
We specialise in finding the best mortgage deals, crafted transparently and uniquely tailored for you
To empower New Zealanders with the knowledge, confidence, and financial solutions they need to achieve their property goals. We believe in making mortgage advice accessible, transparent, and genuinely helpful.
Our Services
Our Mortgage Solutions
Comprehensive lending solutions tailored to your needs
How It Works
How we make homeownership feel effortless
We combine deep market knowledge, strong lender relationships, and clear communication to make your mortgage journey easy, enjoyable, and uniquely yours.
Consultation
We listen carefully to understand your financial situation, goals, and borrowing needs.
Mapping & Strategy
Our team compares rates across 20+ lenders and crafts a tailored lending plan.
Application
We handle all the paperwork, submit your application, and manage the process end-to-end.
Settlement
We coordinate everything through to settlement day and provide ongoing support.
Ready to take the next step?
Mortgage Tools
Estimate your home loan repayments
Get a quick estimate of your mortgage repayments — then explore our full suite of calculators.
Information only
This calculator is for information purposes only and does not provide financial advice. We recommend seeking financial advice about your situation and goals before getting a financial product. To talk to one of our team at Sunshine Mortgages, please call 09 954 4963 or email info@sunshinemortgages.co.nz.
This calculator provides an estimated amount and is for illustrative purposes only. It is based on the accuracy of the limited financial information provided by you. Results are based on amortised scheduled repayments with a constant interest rate for the term of the loan. This is not an offer of finance and a full lending application is required to be completed.
Testimonials
Results that speak
for themselves
See how we have helped clients bring their property dreams to life.
"Grace was fantastic to work with! Professional, knowledgeable, and always available to answer questions. They made the entire process smooth and stress-free. Highly recommend!"
Alan
Google Review
100%
Client satisfaction
"Grace at Sunshine Mortgages is an excellent mortgage broker who is very experienced, informative, and patient. She supported us all the way from pre-approval to finalising the mortgage. She is very hard working and truly appreciate the extra push at the critical moments! Highly recommend her services."
Henry & Dotty
Google Review
500+
Clients helped
"Excellent professionalism! We would highly recommend Grace to anyone who is seeking advice on mortgage applications."
Zoe Jiang
Google Review
"Highly recommend Grace Zhang – an outstanding mortgage broker! Grace guided us through our first home purchase. Her expert advice, patience, and clear communication made the process so much easier for us as first home buyers. Grace helped us find the best mortgage options and was always available to answer our questions. She truly made our home buying experience smooth and stress-free!"
Jin Tingting
Google Review
"Grace is a patient and professional broker. We got pre-approval from the bank within two weeks. Thanks to her professional advice, everything went very smoothly. She answers our questions 24/7!"
Guan Meiling
Google Review
Contact Us
Let's talk about your mortgage
Reach out today and let's start building your path to homeownership.
Our Team
Dedicated professionals
at your service
Grace Zhang
Founder & Principal Adviser
Steven Wang
Business Manager
Rao Fu
Financial Analyst & Assistant
Ready To Get Started?
Book a free consultation with one of our experienced mortgage advisers. No obligations, no fees, just expert advice tailored to your situation.
Prefer to apply online? Begin your application here