Real Stories, Real Results —
AML Home Loans
See how Kiwi families achieved their dream home with AML Home Loans.
Help so far
200+ Kiwi Families
200+
Kiwi Families Helped
Multiple
Banks & Lenders
98%
Client Satisfaction
5 Days
Avg. Pre-Approval Time
Why Kiwis Choose AML
We're independent advisers — not tied to any bank. That means our only loyalty is to you. We do the legwork, handle the paperwork, and negotiate on your behalf.
No Broker Fees
Our service is completely free to you. We are paid by the lender after your loan settles.
Access to Multiple Lenders
We search the whole market — major banks, specialist lenders, and everything in between.
Dedicated Adviser
You get one point of contact who manages your loan from first chat to settlement day.
Fast Pre-Approvals
Our streamlined process means most clients have a pre-approval within 5 business days.
Plan Your Home Loan With Confidence
Use our free calculators to estimate repayments, deposit goals, borrowing power, and more.
Explore CalculatorsHow We Help Kiwis
Whether you're buying your first home or growing a property portfolio, we have the expertise to guide you.
First Home Buyers
Navigate KiwiSaver, First Home Grants, and low-deposit options with expert guidance.
Learn moreRefinancing
Already have a mortgage? We'll find a better rate and save you thousands.
Learn moreConstruction Loans
Build your dream home with a tailored construction or land & build loan.
Learn moreInvestment Properties
Grow your portfolio with the right investment lending structure.
Learn moreFamily / Joint Loans
Boost borrowing power together — ideal for couples, whānau, and co-buyers.
Learn moreBad Credit Solutions
Flexible options when banks say no — we work with specialist lenders to find a way forward.
Learn moreYour Path to Home Ownership
Our simple 5-step process takes the stress out of getting a mortgage.
Free Consultation
Tell us about your goals — no obligations.
Financial Review
We assess your borrowing power and goals.
Lender Comparison
We compare multiple banks and lenders for you.
Application & Approval
We lodge and manage your application.
Settlement
Keys in hand — it's time to celebrate!
Meet Your Expert
Kundan
Singh
Helping Kiwi families for over 20 years. Personal service, clear advice, and the right solutions for you.
Ronney
Bajwa
Helping Kiwi families with expert home loan advice and genuine support.
Got Questions? We've Got Answers.
Here are the top questions we hear from Kiwi home buyers.
How much deposit do I need to buy a home?
With some lenders, you can buy with as little as 5–10% deposit. It depends on your situation and the lender we match you with.
Do I need a perfect credit score to get approved?
No. We work with multiple bank & non-bank lenders who consider more than just your credit history. Even with past hiccups, we may still find you a solution.
How long does the home loan approval process take?
With our streamlined process, approvals can often be faster than going directly to a bank. Depending on your application, pre-approval can take as little as a few days.
Can AML help me refinance my existing mortgage?
Yes. We can compare multiple lenders to see if refinancing could lower your interest rate, reduce monthly payments, or restructure your loan for better flexibility.
Do you only deal with banks?
No. We work with multiple bank & non-bank lenders, which gives you more options and often sharper solutions than just sticking with one bank.
Can I use KiwiSaver or First Home Grant towards my deposit?
Absolutely. We guide you through the process of accessing your KiwiSaver funds and applying for the First Home Grant if you're eligible.
What does it cost to use AML Home Loans?
In most cases, our service is free — we're paid by the lenders. As a Financial Advice Provider, we're licensed and regulated by the Financial Markets Authority, and you can verify our registration on the Financial Service Providers Register .
Trusted By Kiwi Families & Working With Multiple Lenders
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Ready to Make Your Move?
Get free, no-obligation mortgage advice from New Zealand's trusted home loan experts today.