Auckland Central

After being a client of New Zealand Home Loans for less than a year Nikki Vercoe joined the company as a New Business Consultant in January 2014. Nikki is now the Business Owner of New Zealand Home Loans Auckland Central and enjoys being able to mentor her clients to help them achieve financial wellbeing.

Nikki’s attitude in the company reflects New Zealand Home Loans’ passion for helping clients, whether it be for their first home, refinancing existing mortgages from the banks or additional investment properties. Get in touch with Nikki today if you’d like to organise a free consultation that will help move you towards financial wellbeing for life.

Our Team

Here's why our clients enjoy our services

Angela F

Nikki is fantastic, I’ve never met a bank manager like her! Incredibly helpful, approachable, fast communication, and regular reviews to keep us on track with our goals. Would highly recommend her to anyone needing a home loan.


Nikki is awesome and goes beyond and above for her clients!

Hina D

I have had a wonderful and valuable experience with  NZHL. I first heard about them through one of my colleagues in 2014. I researched about NZHL and set up a meeting with them. They were very engaging and explained in detail how the loan structure would work. The main highlights forRead More

Chris R

I had been looking for an alternative to traditional bank mortgages when I came across NZHL. Nikki did an excellent job of explaining how NZHL loans work with the added bonus of debtnav. In the first year with NZHL I saved $2,500 in interest by having all my savings offsetRead More

Shane H

Before meeting with Nikki & Deon at NZHL I had become accustomed to mediocre service from banks and lenders, only hearing from banks when the term of my loan was almost up. In the short time I have been with NZHL I have been impressed with the follow up, regularRead More

Marietjie C

Being an NZHL customer has been really awesome for us. We have a plan and we get support and guidance with Nikki. Where other banks have call centres we have a one on one relationship; it’s easy getting in touch and the connection is always there. It’s been what weRead More

Nicky D

Moving my home loan to NZ Home Loans has been hugely beneficial for me. The offset lending model gives me an incentive to manage my finances and monitor my mortgage in a hands-on way I never did before. The debtnav system has also been very helpful in setting and managingRead More


Nikki is always an absolute delight to deal with. Her sincere desire to help her clients achieve their goals and pay down debt faster, is something not easy to come by in this line of work. I know that anyone I recommend Nikki to will be completely looked after. SheRead More

Marietta S

I had been a loyal customer to my bank for 13 years but the only interaction with them was through the call centre. During my transition towards NZHL, my bank asked me why I was switching. I advised them that Nikki from NZHL makes me feel special and tailors theirRead More


After the loss of my Mother I decided I wanted to purchase the second half of the house off my brother. I originally went to a bank and was accepted for a home loan however I had a feeling that it just didn’t feel right. I was so new toRead More


When we changed our bank to take advantage of the best interest deals we also got the great benefits of the best customer service possible from a bank. Nikki has been assigned to look after our account and that was the best moment in our financial life. She is soRead More


We were very fortunate to meet Nikki from NZHL 2 years ago. The whole process of changing banks was always overwhelming and we thought it’s not worth it. Nikki made the whole process stress free and has done most of the work for us. Just by reshuffling mortgage repayments weRead More


Two years ago I was fortunate to work with Nikki to buy my first house. Buying a house always seemed like a daunting process but Nikki made it easy, offering advice, support and encouragement to make sure I did all the right things to get the right house at aRead More


Highly recommend Nikki and the services she offers. Not just is she friendly and very approachable but she has a very high work ethic and will go above and beyond to get the best options and rates for her customers. I can’t thank her enough for all her assistance overRead More

Katie & Jo

Thanks very much for your time today Nikki. We do feel very lucky to have you supporting us and helping us manage our mortgages!

Phil L

We’ve been with NZHL from the start. Nikki came in a little after we were customers. But we’ve always found them really great to deal with. We love the online platform – its very easy to use and we do all our banking on it. The loan rates are alwaysRead More


Highly recommend. Nothing is too much trouble for Nikki. She is always available to discuss any concerns or queries you may have and her customer service is fantastic. I feel very comfortable having her looking after all our banking needs.


Nikki was truly amazing and very helpful throughout the whole process of our first home buying experience. We know we got the best deal, easy to understand information when needed, highest care from a person who really cared about us. Happy to recommend her to anyone looking for home loan/insuranceRead More

Tara V

Nikki is amazing. Such a positive, caring person, who genuinely wants to help you get debt free earlier along with helping you to plan for your retirement. She responds to emails out of office hours and nothing seems to be too much trouble. I highly recommend her and NZHLs

Sam C

Always fantastic service from Nikki and the team. The enthusiasm to assist with becoming debt free faster is amazing

Matthew P

Nikki is fantastic. We love the support and advice we get from NZHL!

Joanne F

Great service from Nikki – she really wants to help you achieve your goals and explains things as many times as you need her to. Highly recommended.

Get in touch with the Auckland Central team

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