About us

We're a New Zealand owned company, founded by New Zealanders. We worked in big banks and knew there was a better way to do mortgages. Indi is it.

Get early access

What's so different about Indi? Just that. We're independent. Which means we're not a bank.

Being independent from banks means that we can think about things differently. We can make improvements to how mortgages are done. Save customers lots of money, by doing lots of things a little smarter. By being digital first. By striving to make getting a mortgage less frustrating. And by being dedicated to helping you break free from your mortgage faster.

Meet our founders and board

Like you, we've done big banks. Our experienced team have worked in them for years. Had mortgages with them. We've seen how they work, and don't work and who they're really working for. Which makes it easier, we think, to understand what's really important to you.

Anand Ranchord

Anand Ranchord

David Woods

David Woods

Craig Stobo

Craig Stobo

Independent director

Craig is the chair of the Financial Markets Authority and the chair of the Local Government Funding Agency, and is a former CEO of BT Funds Management, among many other accomplishments. Craig brings deep industry expertise and strong governance to Indi's board.

What we do

We offer mortgages. No fixed terms, a great floating rate that stays great. No lock-in, no break fees, no fees for anything. Flexible payments that you can adjust any time at the click of a button, with no penalties or caps on repayments.

Where we're at

We are lending now to select customers, and we are preparing for general availability to the public. If the idea of an independent mortgage and escaping from the big banks appeals to you, then you can talk to us about becoming one of our early customers.

Hi, we're Indi. Short for independent. And shorter still for what we do.

We're The Independent Mortgage Company.


And we are on the side of independent thinking kiwis who are sick of the big bank way of doing things.


Coming from careers in big banks ourselves, we've seen the good and the bad.

And the fat.

Especially when it comes to mortgages.


We think it's time to cut that fat.

To trim off everything you don't need and have only the bits you do need.

With direct, online mortgages that will save you time and money.


That's it. That's all we do. Simple.

Which, incidentally, is how we approach everything.

From our look to the fast sign-up process to how we speak.


No big bank puffery. No big bank ads. Even no big bank buildings.

All of which means no big bank waffle to deal with and no big bank overheads for you to pay.


We're outside of all that. We're better than that.

We're grown up, smart, logical, and irrefutable.

We're independent.

And we think there are plenty of kiwis who are just like us.

Partners

Indi loans are funded by Generate, a Kiwi-owned KiwiSaver provider