Adair Mortgages is a Christchurch-based mortgage advisory built on a simple promise: mortgages with a mate you can trust. Principal advisor Chad Adair set up the business after years in the corporate world, where he was limited to one bank's products but loved helping everyday people. The result is an independent, family-run advisory with no suits and no scripts — just real conversations and advice that makes a difference.
The core services cover the whole property ladder: first home buyer lending supported from pre-approval through to settlement, refinancing and refixing for homeowners who suspect they might be paying more than they need to, and lending advice for those building an investment portfolio. Because Adair Mortgages is not tied to any one bank, advice spans the entire market — major banks like ANZ, BNZ, ASB, Westpac, Kiwibank, SBS Bank and The Co-operative Bank, plus non-bank lenders such as Resimac, Liberty, Unity Money, Mutual Credit Finance and Prospa. The service comes at no cost to clients, as Adair Mortgages is paid by the banks.
Everything is kept deliberately plain: independent advice tailored to your needs, straightforward communication in everyday language, and support without judgement, whatever your situation. The track record includes more than $250 million in mortgages secured, over 500 mortgage applications facilitated, ten years in finance, and a client base that is 99 percent referral-based. Chad works alongside his wife Katie and advisor support Charlotte, and clients have direct access to him from the first 15-minute phone chat to settlement and beyond. Based in Christchurch, Adair Mortgages advises clients in Queenstown, Wanaka and right across Aotearoa.
Buying a home is one of the biggest financial decisions most of us will ever make, and for a lot of Kiwis it comes wrapped in jargon, paperwork and bank-speak. Adair Mortgages, based in Christchurch, exists to strip all that away. The business is run by principal advisor Chad Adair, who sums up the offer in one line: mortgages with a mate you can trust. No suits, no scripts — just real conversations and advice that makes a difference.
The idea came from Chad's own career. Working in the corporate world, he was limited to one bank's products, but what he really loved was helping everyday people. Starting Adair Mortgages gave him the freedom to be independent, put people first and keep things approachable, while still making time for his young family. His wife Katie works alongside him in the business, supported by Charlotte in advisor support, so clients work with a small team they actually get to know — no hand-offs to strangers and no corporate scripts.
At the heart of the service is home loan advice for people at every point on the property ladder. First home buyers get step-by-step support from pre-approval right through to settlement day. Homeowners wondering whether they are paying more than they need to can book a refinance or refix review, where Chad looks at their existing lending and explains the options in plain English. And for those building an investment portfolio, there is advice on structuring lending for the long game.
Independence is what makes that advice genuinely useful. Adair Mortgages is not tied to any one bank, so one conversation covers the entire market: major banks including ANZ, BNZ, ASB, Westpac, Kiwibank, SBS Bank and The Co-operative Bank, alongside non-bank lenders such as Resimac, Liberty, Unity Money, Mutual Credit Finance and Prospa. That breadth matters when every borrower's situation is a little different.
Better still, the advice costs clients nothing. Adair Mortgages is paid by the banks, so there is no fee for the service. What's included is set out clearly: independent advice across all lenders, plain English explanations, support from pre-approval to settlement, direct access to Chad throughout, and ongoing check-ins to keep your mortgage on track long after the keys are handed over.
The approach rests on three pillars: advice that fits your story, straightforward communication and support without judgement. Whatever your situation, the goal is the same — that you feel confident about your next move rather than pressured into one. Conversations replace pitches, and every explanation is in language you don't need a finance degree to follow.
The numbers behind the business tell their own story: more than $250 million in mortgages secured, over 500 mortgage applications facilitated, ten years in finance, and a client base that is 99 percent referral-based. Most people find Adair Mortgages through someone they trust, which is exactly how Chad likes it.
Client feedback has a common theme. First home buyers Evie and Tom say Chad made the mortgage process feel easy and stress-free, with support at every step. Richard, an investment buyer, recommends Chad and his team for great communication and relevant advice tailored to his specific situation over several years.
Getting started is deliberately low-effort: a free 15-minute phone chat, booked online, is enough to talk through where you are and what might be possible. And while Adair Mortgages is based in Christchurch, Chad advises clients in Queenstown, Wanaka and right across Aotearoa, so the conversation can happen wherever you are. Whether you are buying your first home, refinancing, or growing a portfolio, one person handles everything from start to finish — and makes sure you feel looked after along the way.