Your Trusted Mortgage & Insurance Experts in New Zealand

At SK Financial Group, we make the mortgage and insurance process simple and stress-free. Whether you’re buying your first home, refinancing, or looking for comprehensive insurance coverage, we’re here to provide expert advice and personalised solutions tailored to your needs.

Get Started Today – Book Your Free Consultation Expert mortgage and insurance advice at no cost to you.

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About Us

SK Financial Group has been proudly helping Kiwis secure their home and financial futures for years. Whether you’re a first-time homebuyer, self-employed, or looking for insurance protection, our expert team offers clear, honest advice to help you make informed decisions.

We understand the New Zealand market like no one else. Our deep knowledge, extensive lender network, and commitment to your success ensure that we get you the best mortgage or insurance deal possible, every time.

Mortgage Services

At SK Financial Group, we offer a comprehensive range of mortgage services to meet your needs. Our expert team will guide you through each step of the mortgage process, ensuring you get the best deal for your situation.

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First Home Buyer

Starting your journey as a homeowner? We’ll help you navigate the process and secure the best deal for your first home.

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Refinance

Looking to lower your interest rates or consolidate debt? We’ll help you refinance and save money on your mortgage.

9 Things to Consider Before Investing in Real Estate

Property Investment

Ready to grow your property portfolio? Our investment loan solutions will help you maximise your returns and expand your holdings.

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Renovation Loans

Planning a renovation? We offer financing solutions that let you turn your house into the home you’ve always wanted.

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Loan to Build

Dreaming of building your home from scratch? We specialise in construction loans that support your project from start to finish.

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Bridging Finance

Need short-term finance while selling one property and purchasing another? Our bridging finance solutions ensure you don’t miss out on new opportunities.

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Top Up/Restructure

Whether you need additional funds or want to restructure your current mortgage, we can provide flexible solutions.

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Business Lending

We also offer lending solutions for businesses looking to grow. Whether you need working capital or a property loan, we’ve got you covered.

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Commercial Lending

For businesses looking to invest in property, our commercial lending services ensure you get the right financing to expand your operations.

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Property Development

If you’re a property developer, we can provide tailored financing solutions for projects of any scale

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Home Loan Rates New Zealand

Stay on top of the latest home loan rates in New Zealand. We ensure you get competitive rates that align with your goals.

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Low Deposit Mortgage

Struggling to save a large deposit? We help first-time buyers and others with low deposit requirements secure their dream home.

Insurance Services

Our comprehensive insurance solutions are designed to protect you, your family, and your assets. We make sure you have the coverage you need, without paying more than you should.

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Health Insurance

Protect your health and your family with affordable health insurance plans with SKFG in New Zealand.

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Life Insurance

Ensure your loved ones are financially protected with the right life insurance coverage.

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Trauma Insurance

Financial protection in case of serious illness or injury, so you can focus on recovery. we help you understand and select trauma insurance that supports both recovery and peace of mind during major health events.

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Total and Permanent Disability

We offer coverage to protect your financial security if you’re ever unable to work due to disability.

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Income Protection

Your income is your biggest asset. If you're unable to work due to illness or injury, income protection provides regular payments to keep life moving forward.

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Mortgage Protection

Safeguard your home and mortgage payments with affordable mortgage protection insurance.

Why Choose SK Financial Group?

Choosing the right mortgage broker and insurance advisor is crucial to your financial success. Here’s why SK Financial Group is the best choice for you:

Expert Advice from Experienced Professionals:
Our team brings years of experience and in-depth knowledge of the New Zealand market, ensuring that you get the best solutions for your situation.

Tailored Solutions:
We understand that every client is different. We take the time to get to know your financial goals and offer solutions that are tailored to your needs.

Wide Range of Lenders and Insurers:
We work with a variety of lenders and insurers, giving you access to competitive rates and terms that fit your budget.

No Cost to You:
Our services come at no cost to you — we are compensated by lenders and insurers.

Transparent Communication:
We keep you informed at every stage, so you’re never in the dark about your mortgage or insurance.

What Our Clients Are Saying

  • Just got my home loan refinanced through Saneel at SK Financial Group, and honestly, it was a great experience. He... read more

    Dharamveer Dhiman Avatar Dharamveer Dhiman
    August 4, 2025

    I highly recommend Saneel Kumar. His guidance was clear, professional, and reassuring throughout the entire mortgage process. Saneel was always... read more

    Ashutosh Panchal Avatar Ashutosh Panchal
    July 17, 2025

    Great experience..From the moment we contacted Saneel Kumar from SK Financial Group to the day we got our keys, no... read more

    shailesh patel Avatar shailesh patel
    July 10, 2025
  • Very excellent service helped me with everything towards getting my new home Very and very knowledgeable

    bruce Widdowson Avatar bruce Widdowson
    July 3, 2025

    Saneel bhai is your person!! his straight forward. His always there we’ve always felt comfortable with him when asking questions... read more

    Roshni Patel Avatar Roshni Patel
    July 1, 2025

    No matter how complex or straightforward your case is, Saneel is the go-to person. He keeps you well-informed throughout the... read more

    Zamir Khan Avatar Zamir Khan
    May 31, 2025
  • Saneel is an exceptional advisor . Easily available for any queries and very prompt

    veena pillay Avatar veena pillay
    May 1, 2025

    Exceptional service from start to finish! Saneel made the mortgage process smooth, stress-free, and easy to understand. Highly recommend for... read more

    Aelis Gandhi Avatar Aelis Gandhi
    May 1, 2025

    Saneel made the refinancing process smooth and stress-free, securing an excellent cashback deal, discounted floating interest and additional funds for... read more

    Firoz & Pinky Wadhwania Avatar Firoz & Pinky Wadhwania
    March 31, 2025
  • We had a great experience with Saneel Kumar from SK Financial Group during our purchasing of a new house. His... read more

    Bignesh Pillay Avatar Bignesh Pillay
    December 31, 2024

    VINAKA Saneel for your OUTSTANDING Service. My wife and I was nervous at first about the process of buying our first... read more

    Marika Taserenavanua Avatar Marika Taserenavanua
    December 31, 2024

    What an awesome service SK! Saneel was with us in every step of the way until we purchased our first home.... read more

    Lavenia M Avatar Lavenia M
    December 31, 2024
  • We highly recommend Saneel at SK Financial Group as a Mortgage Broker. Throughout the process, Saneel was extremely helpful. He was... read more

    Anisha & Shekins Patel Avatar Anisha & Shekins Patel
    October 1, 2024

    As a first home buyer, we were searching for house and one of our friends suggested Saneel Kumar as mortgage... read more

    Laya Rakesh Avatar Laya Rakesh
    October 1, 2024

    There’s a lot to be said about Saneel @ SK Financial group, he’s keen and eagerness to help people get... read more

    Ssg Services Avatar Ssg Services
    October 1, 2024
  • Highly recommend Saneel! He made the process very easy as Saneel was very responsive with any questions we had as me... read more

    Alissa Tere Avatar Alissa Tere
    October 1, 2024

    I had an outstanding experience with Saneel at SK Financial Group! From start to finish, he demonstrated exceptional professionalism, expertise,... read more

    Hemin Patel Avatar Hemin Patel
    October 1, 2024

    We were referred to Saneel by my sister and her husband and I'm glad we did! Saneel was fast, efficient... read more

    Sapna Singh Avatar Sapna Singh
    July 31, 2024
  • Over the past 10 years, I’ve dealt with several property mortgage brokers, and Saneel stands out as the best. His... read more

    Monowar Aziz Avatar Monowar Aziz
    July 31, 2024

    SK Financial Group is the best Mortgage Broker company ever. He made the loan process easier than I thought. Strong... read more

    tajinder singh Avatar tajinder singh
    July 31, 2024

    We had a great experience with Saneel. Our home loan application was a bit tricky, but he guided and ... read more

    Jesiee Kaur Avatar Jesiee Kaur
    July 31, 2024
  • Saneel is an exceptional advisor on all things property. He is patients and with his vast knowledge, can understand the... read more

    Sanjid Rahman Avatar Sanjid Rahman
    July 31, 2024

    Highly recommend Saneel. Great communication and made the process much easier than it was without him. Very knowledgeable and patient.... read more

    Rowan Brady Avatar Rowan Brady
    July 31, 2024

    Saneel did an excellent job for buying our house. Strongly recommended.

    Riffat Shaheed Avatar Riffat Shaheed
    July 31, 2024
  • Saneel has been of great help to us. As first home buyers the whole process can we very confusing and... read more

    Tushar Patel Avatar Tushar Patel
    July 31, 2024

    Exceptional service from Mr Kumar. He made the daunting mortgage process much easier for us to understand. His expertise and... read more

    Deepika Dharshani Avatar Deepika Dharshani
    July 31, 2024

    We as first home buyers had absolute amazing guidance from the man himself Saneel Kumar, couldn’t be happier. We told... read more

    Shafiona Khan Avatar Shafiona Khan
    July 31, 2024
  • Top notch. I have been in this industry since 2006 and Saneel in my view is one of the Top... read more

    Sunvi Ahsan Avatar Sunvi Ahsan
    July 31, 2024

    I had a very good experience with Mr. Saneel Kumar. He helped me get a pre-approval for my... read more

    Navinesh Chand Avatar Navinesh Chand
    July 31, 2024

What Our Clients Are Saying

  • Just got my home loan refinanced through Saneel at SK Financial Group, and honestly, it was a great experience. He... read more

    Dharamveer Dhiman Avatar Dharamveer Dhiman
    August 4, 2025

    I highly recommend Saneel Kumar. His guidance was clear, professional, and reassuring throughout the entire mortgage process. Saneel was always... read more

    Ashutosh Panchal Avatar Ashutosh Panchal
    July 17, 2025

    Great experience..From the moment we contacted Saneel Kumar from SK Financial Group to the day we got our keys, no... read more

    shailesh patel Avatar shailesh patel
    July 10, 2025
  • Very excellent service helped me with everything towards getting my new home Very and very knowledgeable

    bruce Widdowson Avatar bruce Widdowson
    July 3, 2025

    Saneel bhai is your person!! his straight forward. His always there we’ve always felt comfortable with him when asking questions... read more

    Roshni Patel Avatar Roshni Patel
    July 1, 2025

    No matter how complex or straightforward your case is, Saneel is the go-to person. He keeps you well-informed throughout the... read more

    Zamir Khan Avatar Zamir Khan
    May 31, 2025
  • Saneel is an exceptional advisor . Easily available for any queries and very prompt

    veena pillay Avatar veena pillay
    May 1, 2025

    Exceptional service from start to finish! Saneel made the mortgage process smooth, stress-free, and easy to understand. Highly recommend for... read more

    Aelis Gandhi Avatar Aelis Gandhi
    May 1, 2025

    Saneel made the refinancing process smooth and stress-free, securing an excellent cashback deal, discounted floating interest and additional funds for... read more

    Firoz & Pinky Wadhwania Avatar Firoz & Pinky Wadhwania
    March 31, 2025
  • We had a great experience with Saneel Kumar from SK Financial Group during our purchasing of a new house. His... read more

    Bignesh Pillay Avatar Bignesh Pillay
    December 31, 2024

    VINAKA Saneel for your OUTSTANDING Service. My wife and I was nervous at first about the process of buying our first... read more

    Marika Taserenavanua Avatar Marika Taserenavanua
    December 31, 2024

    What an awesome service SK! Saneel was with us in every step of the way until we purchased our first home.... read more

    Lavenia M Avatar Lavenia M
    December 31, 2024
  • We highly recommend Saneel at SK Financial Group as a Mortgage Broker. Throughout the process, Saneel was extremely helpful. He was... read more

    Anisha & Shekins Patel Avatar Anisha & Shekins Patel
    October 1, 2024

    As a first home buyer, we were searching for house and one of our friends suggested Saneel Kumar as mortgage... read more

    Laya Rakesh Avatar Laya Rakesh
    October 1, 2024

    There’s a lot to be said about Saneel @ SK Financial group, he’s keen and eagerness to help people get... read more

    Ssg Services Avatar Ssg Services
    October 1, 2024
  • Highly recommend Saneel! He made the process very easy as Saneel was very responsive with any questions we had as me... read more

    Alissa Tere Avatar Alissa Tere
    October 1, 2024

    I had an outstanding experience with Saneel at SK Financial Group! From start to finish, he demonstrated exceptional professionalism, expertise,... read more

    Hemin Patel Avatar Hemin Patel
    October 1, 2024

    We were referred to Saneel by my sister and her husband and I'm glad we did! Saneel was fast, efficient... read more

    Sapna Singh Avatar Sapna Singh
    July 31, 2024
  • Over the past 10 years, I’ve dealt with several property mortgage brokers, and Saneel stands out as the best. His... read more

    Monowar Aziz Avatar Monowar Aziz
    July 31, 2024

    SK Financial Group is the best Mortgage Broker company ever. He made the loan process easier than I thought. Strong... read more

    tajinder singh Avatar tajinder singh
    July 31, 2024

    We had a great experience with Saneel. Our home loan application was a bit tricky, but he guided and ... read more

    Jesiee Kaur Avatar Jesiee Kaur
    July 31, 2024
  • Saneel is an exceptional advisor on all things property. He is patients and with his vast knowledge, can understand the... read more

    Sanjid Rahman Avatar Sanjid Rahman
    July 31, 2024

    Highly recommend Saneel. Great communication and made the process much easier than it was without him. Very knowledgeable and patient.... read more

    Rowan Brady Avatar Rowan Brady
    July 31, 2024

    Saneel did an excellent job for buying our house. Strongly recommended.

    Riffat Shaheed Avatar Riffat Shaheed
    July 31, 2024
  • Saneel has been of great help to us. As first home buyers the whole process can we very confusing and... read more

    Tushar Patel Avatar Tushar Patel
    July 31, 2024

    Exceptional service from Mr Kumar. He made the daunting mortgage process much easier for us to understand. His expertise and... read more

    Deepika Dharshani Avatar Deepika Dharshani
    July 31, 2024

    We as first home buyers had absolute amazing guidance from the man himself Saneel Kumar, couldn’t be happier. We told... read more

    Shafiona Khan Avatar Shafiona Khan
    July 31, 2024
  • Top notch. I have been in this industry since 2006 and Saneel in my view is one of the Top... read more

    Sunvi Ahsan Avatar Sunvi Ahsan
    July 31, 2024

    I had a very good experience with Mr. Saneel Kumar. He helped me get a pre-approval for my... read more

    Navinesh Chand Avatar Navinesh Chand
    July 31, 2024

Our Product Providers

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Frequently Asked Questions

Generally, a deposit of at least 20% is required, though low deposit options are available for eligible buyers.

It can be challenging if you have a low credit score or limited deposit, but with the right advice, securing a mortgage is possible.

Mortgage rates in New Zealand vary depending on the lender and loan type, but they typically range between 3% and 5%.

Mortgage approval usually takes 1-2 weeks, but the process can vary depending on your financial situation and the lender.

Refinancing allows you to switch to a new loan, usually with better rates, to reduce your monthly payments or consolidate debt.

Common insurances include life insurance, mortgage protection, income protection, and health insurance to protect your home and family.

You need to meet certain criteria like having a stable income, a good credit score, and a minimum deposit; our team can help assess your eligibility.