Give every client a personal referral link. They build their full NZ mortgage profile. You see their affordability score, borrowing power, and readiness โ before you pick up the phone.
Too much time goes into gathering basics that clients could have prepared themselves. MortgageReady changes that.
Clients book in with no idea of their borrowing power. You spend the first meeting gathering income, debts, and KiwiSaver details instead of making real progress toward a placement.
Payslips, bank statements, KiwiSaver balances, existing debt details. Getting it all together takes days of email back-and-forth before you can even properly assess a client's position.
You don't know if a client is DTI-constrained, deposit-limited, or genuinely ready to proceed until you're already in the meeting. Prioritising your pipeline is a guessing game.
Four steps. Then your clients arrive knowing their numbers โ and so do you.
Sign up, add your company name, upload your logo, and claim your referral slug. Takes five minutes. Your personalised link is live immediately: mortgageready.co.nz/b/your-company
Add your link to your email signature, website, or social profile. Drop it into a WhatsApp message before a consultation. Share it with every prospect. One click to copy, works anywhere.
Clients sign up through your link โ free for them โ and enter their full financial picture: gross income, KiwiSaver, monthly expenses across 13 categories, existing debts, and target property price. NZ tax, ACC, DTI limits, and stress tests are calculated automatically. No financial knowledge required.
Open your broker dashboard and see every linked client's affordability score, borrowing power, DTI ratio, and deposit position. Download a full PDF profile for any client โ income breakdown, borrowing scenarios, stress-test results, and more. Know who to call first.
Built for mortgage brokers who want to spend less time gathering data and more time placing loans.
All your linked clients in one view. Affordability score, borrowing power, DTI ratio, deposit total, and last-updated date. Know at a glance who to prioritise for follow-up.
Download a complete financial profile for any client in one click. Covers income, deposit composition, KiwiSaver details, borrowing scenarios, affordability score, and stress-test results.
Your own branded URL at mortgageready.co.nz/b/your-company. Every client who signs up through it is linked to your account. Share it once, benefit indefinitely.
Your logo and company name are shown when clients arrive via your referral link. A professional, consistent first impression from the very first touchpoint.
Each client gets a score from 0 to 100 based on their DTI, deposit size, and monthly surplus. Instantly see who is genuinely ready to proceed versus who needs more preparation time.
Your first meeting starts at a different level. Clients arrive with income, expenses, debts, and KiwiSaver already calculated. No more spending 45 minutes gathering basic information.
MortgageReady is free for home buyers. They build their profile, you get visibility. Everyone wins.
Clients sign up and build their full mortgage readiness profile at no cost. No barrier means more clients actually complete it โ and more profiles in your dashboard.
Progressive income tax, ACC levies, KiwiSaver FHB withdrawal rules, RBNZ DTI limits, Kฤinga Ora First Home Loan eligibility, and LVR thresholds โ all handled automatically.
Conservative, comfortable, optimistic, and target โ each stress-tested at 7% and capped by the binding constraint. Clients understand their range before sitting down with you.
Clients see exactly how their borrowing power and monthly surplus changes as rates move between 4% and 10%. They arrive having already worked through the interest rate risk themselves.
Clients can attach payslips, ID, bank statements, and employment contracts directly to their profile. Everything in one place โ ready to share the moment you ask for it.
100+ NZ mortgage terms explained. Clients who understand DTI, LVR, and stress tests ask better questions and make faster decisions โ which means smoother placements for you.
See every linked client's financial position in real time. Know who's ready to place, who needs more deposit, and who to follow up with first โ without making a single call.
Mortgage professionals across New Zealand using MortgageReady to qualify leads before the first meeting.
I sent my referral link to eight clients before Christmas. By Monday morning, five had completed their profiles. I could see their scores, their borrowing power, and who was genuinely ready to move. My first calls of the year were the most focused I've ever made.
It used to take two or three meetings to get a clear picture of a client's finances. Now they arrive with everything already organised โ income, KiwiSaver, debts, expenses. The conversation starts at a completely different level. Straight into strategy.
One of my clients came in having already run the rate sensitivity tool. She was asking exactly the right questions about fixing versus floating. That prep work used to take me 20 minutes to walk through. She'd already done it herself the night before.
One plan. Unlimited clients. No per-seat fees, no setup costs, no lock-in.
Billed monthly. Cancel any time.
No setup fees. No lock-in. Cancel any time.
Create your broker account in five minutes. Share your link. See the difference before your next client meeting.
Create Broker Account โFree to set up. $99/month when you activate your subscription.