A mortgage assistant in your pocket
Zoro is an AI native platform for homebuyers to access personalized, transparent mortgages fast.
Zoro solves the confusion and lack of transparency in New Zealand mortgage market. We simplify the process, empower your decisions, and put you in control.
The Future of Mortgage Shopping
Lenders bid for you
You don’t chase banks. They compete to win your mortgage.
Apply in minutes. 100% online.
Connect your bank securely and get matched fast.
Compare real offers, not just rates
See terms, repayments and cashback deals side-by-side.
Frequently asked questions
At Zoro, we’re not licensed to provide financial advice — but we can absolutely help guide you with the best tools, insights, and trusted information available online.
Here are a few great places to learn more about home loans and first-home buying in New Zealand:
🏡 Sorted NZ – Home Buying Guide
💰 Kainga Ora – First Home Grants & Schemes
📊 Consumer NZ – Home Loan Comparison
📘 Inland Revenue – KiwiSaver First Home Withdrawal
We’re here to make the process easier and help you understand your options — so you can make confident, informed decisions before applying.
Zoro flips the mortgage process on its head. Instead of chasing banks for rates, we make them compete for your business. Everything is digital, transparent, and designed around you. You’ll see real offers, compare them side-by-side, and unlock rewards for using the platform—all in one place.
Yes—completely free for users. Zoro earns a small success-based fee from lenders once your loan is finalised, so you don’t pay a cent. That means we’re incentivised to get you the best outcome, not to push a particular bank.
As soon as you put your bid out, it’s instantly in the hands of our lender network. Given most lenders operate during standard business hours (Monday–Friday, 8:30 am–5:30 pm), you can typically expect to hear back within 24–48 hours.
From there, the process moves quickly — with rate offers, approvals, and next steps all handled directly through the Zoro platform.
Absolutely. Zoro uses industry-grade encryption, secure bank-level integrations (like Akahu), and strict privacy standards compliant with New Zealand Privacy Act 2020. Your information is never shared without your permission and is protected at every step of the process.
Zoro's built-in AI is your personal home-buying assistant.
Zoro’s AI is like having a mortgage expert in your pocket, available anytime to answer your questions and guide you through the process. It’s fast, reliable, and built to simplify every step of your journey.
Ask anything, anytime — from loan basics to next steps, our AI gives instant, jargon-free answers
Transparency into timelines, requirements, and next steps for real-time mortgage applications
24/7 support that fits your schedule, so you're never stuck waiting or second-guessing
A note from our founders
Zoro was founded with a clear vision: to redefine how homebuyers access mortgages. In a space often burdened by complexity and delays, we saw an opportunity to bring transparency, speed, and personalization through technology.
Built from the ground up as an AI-native platform, Zoro simplifies the mortgage process, delivering tailored options, transparent insights, and real-time support, all in one place.
Whether you're purchasing a home or refinancing your mortgage, Zoro is designed to put control back in your hands, making home financing more accessible, informed, and seamless than ever before.
– Zoro Team.
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Zoro is an AI native platform for homebuyers to access personalized, transparent mortgages fast.
Sign up to the waitlist
Zoro is an AI native platform for homebuyers to access personalized, transparent mortgages fast.
