Real Stories. Real Results.
See how Kiwi families achieved their dream home with AML Home Loans.
Why Kiwi Families Trust AML
We take the stress out of home loans with tailored solutions and expert advice.
More Choice
Multiple bank & non-bank lenders
Faster Approvals
Streamlined process, proactive updates
Tailored Advice
Loan structures designed around you
Proven Experience
20+ years helping Kiwi families
How We Can Help
No matter where you are in your journey, we've got a solution for you.
First Home Buyers
Step-by-step guidance & low deposit options
Refinancing
Restructure for better rates & lower payments
Family / Joint Loans
Boost borrowing power together
Investment Property Loans
Up to 90% lending via non-bank lenders
Bad Credit Solutions
Flexible options when banks say no
The AML Home Loan Process
Straightforward. Transparent. Stress-free.
Tell us your goals
We understand your situation and what you want to achieve.
Get pre-approval
We compare options from multiple bank and non-bank lenders.
Review your best options
Everything is explained clearly, simply, and honestly.
We handle the paperwork
Our advisers guide the process and keep things moving.
Settle and celebrate
Move forward with confidence into your new home.
Latest Home Loan Updates
Stay informed with current rates and news.
Meet
Your
Expert
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Kundan Singh
Helping Kiwi families for over 20 years. Personal service, clear advice, and the right solutions for you.
Ronney Dazzh
Helping Kiwi families for over 7 years 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? expand_less
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? expand_more
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? expand_more
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? expand_more
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? expand_more
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? expand_more
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? expand_more
In most cases, our service is free — we're paid by the lenders. If there are any costs for your specific situation, we'll be upfront so there are no surprises.
Query not mentioned above?
Ask us here, our team will get back to you with the right guidance.
chat Ask Us HereDon't Wait. Your Best Rate is Just a Call Away.
Talk to us today and let's make your home loan simple.