WAKE UP TO THE SQUIRREL EFFECT

Like the butterfly effect, but for your money.

1,469 five star reviews on Shopper Approved.

Get a mortgage

If it’s a home loan you need, our expert mortgage advisers will get you the best deal.

Go to Mortgages

Grow your money

If you want to earn higher interest on your savings, check out our great options.

Go to Saving & Investing

Building a system that works better for our community

A better deal on your mortgage

Our mortgage advisers get to know you, and work with all the main lenders to find the solution that best fits you and your goals.

Bespoke funding

End-to-end funding for builders and developers designed to make your money work harder and manage your risk.

Higher returns on your savings

Grow your money whilst keeping it handy with our high-interest On-Call Account or place it into one of our term investment options for even better returns.

Mortgages

Talking to a Squirrel mortgage broker won't cost you a cent

Book a chat

We’ve been helping Kiwi into homes since 2008

And we've arranged over $22 billion of mortgages.

Our mortgage advisers are paid the same regardless of which lender they recommend. The only motivation they have is to make you better off.

Back of woman holding up painting, next to pile of boxes

We’ve got relationships with all the major lenders

Which means better deals for you. And for when you don’t fit inside the square, we’ve got our own bespoke solutions.

Whether buying your first home or reviewing your mortgage, your own personal adviser will guide you through the journey.

How much can I borrow?

Use our mortgage calculator to work out how much you can borrow for a home

Find out more about how our mortgage brokers can help you

Find out more

Saving & investing

Grow your money faster with Squirrel whilst helping others

Open an account

Squirrel investors earned 6.17% _p.a. average rate of return for term investments last month.

Choose from a range of flexible term investment options or keep your money handy at all times – and still earn interest every day.

Your invested money stays in New Zealand

And will only ever be used to buy, build or renovate Kiwi homes.

Whilst past performance isn’t a guarantee of the future, no Squirrel investor has ever lost a cent.

Let's grow your money

Use our earnings calculator to work out how much you could be earning with Squirrel

Find out more about Squirrel saving and investing

Find out more

Don't just take our word for it

Over 1,469 five star reviews on Shopper Approved.

Georgina

New Zealand

Thanks Emma for all your help. Very easy process.

Lisa

New Zealand

Jess M is an absolute miracle worker! Couldn't be more grateful for her patience, support and the fantastic end result.

Jarrod

New Zealand

Great team

Amanda

New Zealand

Faye was brilliant. Very proactive, very personable. She made everything easy.

More lenders means more choices

And if you don’t quite fit the bank’s box we can step in with our own custom solution just for you. It starts with a mortgage application .

Meet our friendly mortgage advisers

We’re NZ’s most trusted independent mortgage broker, and that’s because our advisers thrive on delivering the best outcomes for Kiwi like you.

Find out more

Views from The Treehouse

Check out our blog to get the lowdown on the housing market, the economy or the inside scoop on Squirrel.

Man sitting on a swing on top of a hill looking out over a bay of water

20 August 2025

Housing Market

OCR & interest rates update – August 2025

By Nick Virtue

We're not at the bottom yet, folks. On top of the expected 0.25% OCR cut on 20 August, the RBNZ has also responded to ongoing weakness in the economy by signaling further rate cuts in the pipeline early next year—marking good news for borrowers.

Read Article

Latest interest rates & property market updates

20 August 2025

Housing Market

Watch the latest interest rates and property market updates

By Squirrel

Watch our latest update on interest rates and the property market - covering house prices, the economy, the OCR and where mortgage rates might be heading.

Read Article