Rating based on 29 reviews



  • Low-interest starting from 4.29%
  • Property finance up to $100,000
  • Repayment up to 30 years

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Author Sovereign. Screenshot of Sovereign website. [Accessed May 23, 2018]

About Sovereign

Buy your first property with one of the best home loan lenders in your corner.

Sovereign is a unique provider of lending, banking, and insurance products in New Zealand.

They offer life insurance, income protection, business loans, home loans, and investment products that are designed to help you move your finances forward and realize your dreams.

Innovation and great customer service

At Sovereign, they believe in offering the best to their customers. Whether you need a personal loan or want to take a big leap and buy your first home with an affordable mortgage they're ready to provide you with the most up-to-date products, the best customer service, and some of the lowest and most competitive interest rates on the market.

What Sovereign can offer you

Their fixed-rate home loans are ideal for anyone who wants to ensure they stick to their budget and can predict what their repayments will look like for a period of up to 30 years.

It is important to note that when choosing the fixed-rate mortgage option you will not be able to change the setup of your mortgage or make excessive additional payments.


What Sovereign can offer you

Sovereign specializes in providing home loans to New Zealanders - which means they're focused and are specialists in this particular field.

They, therefore, are able to offer you some of the most refined and competitive deals, a simple and guided application process, and expert advice that ensures you get what you want.

Find out how much you can qualify for 

One of the first steps in buying a home is conducting research and working out how much you can afford to borrow.

To make this easier you can use their online mortgage calculators which will get you started. Once you've determined how much you can afford to repay each month or pay cycle you can then begin your online home loan application.

Making use of the loan calculator

The home loan calculator will help you to determine the amount you intend on applying for. The interest charges will also be inclusive so you will have the exact payment that will be due to you should you qualify for a mortgage.

A number of customers make use of the option and it has helped them make better financial choices. They usually encourage their customers to only take the amount they need for a home loan and nothing else. This way, it will be easier and cheaper to pay off over the months.

Sovereign Product Details

  • Loan Type Property finance
  • Interest Rate 4.29 – 5.65% p/a
  • Loan Amount up to $100,000
  • Repayment 12 months to 30 years

Apply for a home loan with Sovereign TODAY!

When applying for a home loan with Sovereign, you can either visit them in-branch so that you can discuss your needs and options with a mortgage manager.

You can also make a loan application at your local branch, call them to discuss or apply for a loan online and have them contact you. Whichever way you proceed you will be assisted with expertise, professionalism, and speed.

Apply in a few minutes

Step 1:

Provide them with your details, financials, and supporting documents.

Step 2:

They will assess your information and provide you with an answer within 24 hours.

My home loan application was turned down

It is important to remember that while you might have an excess of money after all your payments have been made, they need to look at your bank statements. The customer needs to be able to do the things they enjoy.

If we feel that you are already paying a number of credit items, they might decline your request. This doesn’t stop you from applying for a home loan in the future. Try paying off some of your smaller debts in the meantime. As long as you meet their requirements, they will help you.

Start your home buying journey today

Sovereign prides itself in helping kiwis to reach their goals while making informed and wise financial decisions.

They work hard to deliver the most excellent service possible to make the process even smoother and stress-free for you.

Get your low-cost mortgage with Sovereign today.


  • Fast processing.
  • Affordable prices.
  • Friendly and expert home loan
  • Financial advice and responsible lending.

A mortgage provider you can trust

Sovereign is a responsible mortgage provider that cares about the financial well-being and future of New Zealanders. Their friendly and helpful home loan experts can offer you the best advice and assistance during your very exciting home loan journey.

Customer Reviews & Testimonials

January 2020

Sovereign provided me with an affordable home loan.

Catherine J
— Kaikohe —

March 2020

The home loan application was easy to follow and quick to complete.

Bertha S
— Kaimata —

August 2021

Very pleased with their service. They offered me a great deal at a very good price.

Smith T
— Auckland —

September 2021

They made my whole home loan journey such a stress-free process. I enjoyed working with very skilled experts that gave me tips and advice on my journey and finances.

Williams P
— Dunedin —

February 2022

They were extremely fast with the processing of my home loan and I am super happy with their efficient, friendly and transparent service.

Park L
— Dunedin —

Sovereign Contact Details

Physical Address

  • Sovereign House, 74 Taharoto Road Auckland Auckland 0622 New Zealand
  • Get Directions

Postal Address

  • Private Bag,Sovereign Victoria Street West, Auckland, 1142, New Zealand

Opening Hours

  • Monday 08.30 – 18.00
  • Tuesday 08.30 – 18.00
  • Wednesday 08.30 – 18.00
  • Thursday 08.30 – 18.00
  • Friday 08.30 – 18.00
  • Saturday – Closed
  • Sunday – Closed