Supporting you to Reach Every Milestone

Access dependable expert guidance and personalized solutions from seasoned ex-banker professionals.

About REM

Founded by Rohit Mulki, with over 30 years of banking experience

At REM Finance, we believe buying residential property—whether to live in or invest in—is one of the most important milestones in building lasting wealth for Kiwis. We know securing finance can be a complex journey, with every lender offering different criteria, processes, products, and rates.

REM was founded with one clear vision: to build long-term relationships, truly listen to your needs, and deliver tailored solutions by matching you with the right lender for your unique situation.

Our Services

Understanding your mortgage and ensuring it suits your needs is vital.

We provide mortgage advice for:

  • First Home Buyers

    The home buying process can be challenging. But with the right help, you can move through each step with confidence. At REM Mortgage, we simplify every step, clarify loan options, and support you from pre-approval to closing, making your home purchase smooth and stress-free.

  • Refinance your existing mortgage

    If you’re considering refinancing your home loan, we’re here to help. As experienced mortgage brokers, we can connect you with a wide range of lenders, not just one. Our team will come to you at a convenient time to compare offers and find the best refinance solution for you.

  • Refix your existing loan

    When it’s time to refix or maintain your existing home loan, we negotiate strongly with banks on your behalf to secure the sharpest rates and best terms available. As your trusted broker, we handle all the hard work to help you save without switching lenders.

  • Purchasing investment property

    Whether you’re a first-time investor, or looking to increase your property portfolio, our team are here to help. At REM Mortgage, we tailor smart financing solutions for your investment goals, navigate market options, and support you at every stage to grow your assets securely and efficiently.

  • Construction home loan

    Whether building your owner-occupied home or investment property, our highly experienced team provides full support. We don’t just arrange your loan — we guide you through every step of the process to ensure a smooth, stress-free build from start to finish.

  • Residential development loan

    Whether you’re planning residential development to grow your asset portfolio, our expert team specializes in tailored financing solutions. We guide you through approvals, construction funding and project stages, ensuring your development is financially efficient and successful.

Why Choose Us?

Not all mortgage advice is the same. Founded by ex-NZ banking professionals, REM Finance specializes in residential home lending. We know how lenders think, how credit policies work, and what it truly takes to secure the right result.

With experience across multiple market cycles, we offer insight beyond today’s interest rates. Our advice is built with foresight and professionalism, focusing on your long-term success rather than quick wins.

At REM Finance, our advisors combine banking expertise with personalized, transparent service. You can trust us to guide you with confidence every step of the way.

Discover the REM Finance difference – a partner dedicated to helping you secure a prosperous financial future.

Meet your Team

All our REM advisers are seasoned finance professionals

Rohit Mulki
Rohit Mulki REM Founder, Senior Mortgage Adviser
Rohit brings 30+ years of expertise in retail, business and commercial lending to REM Finance. Having recently stepped away as ANZ Bank’s Auckland Regional Manager, he leverages deep local market knowledge to deliver tailored mortgage solutions for Kiwi clients. His career focus on ethical, solution-driven lending makes him a trusted advisor for all your home loan needs.

Contact Information

We’re local Kiwi mortgage experts, ready to help you navigate your home loan journey.