01
Share your goal
Tell Sparx what you want to buy, your deposit position, income, and key commitments.
AI-poweredAdviser-approved
Your smarter way to a home loan.
Understand your borrowing power sooner with AI-powered insights and licensed adviser review, built for New Zealand borrowers.
No credit check for your snapshot
Free and obligation-free
Adviser-approved recommendations
Reviewed by adviser
How Sparx works
From first check to adviser-ready clarity.
Sparx keeps the journey simple: quick inputs, smart analysis, and human review before any recommendation.
02
Get an AI Snapshot
Sparx organises your information into an indicative view of borrowing power and lender fit.
03
Talk to an adviser
A licensed financial adviser reviews the full picture and explains your next steps.
AI Snapshot Preview
See an indicative view before the paperwork starts.
Your snapshot helps you understand what may be possible. It is not a formal recommendation or offer of finance.
Preliminary assessment — for guidance only.
Reviewed by a licensed financial adviser before any recommendation. This is not a formal loan recommendation.
所有方案须经持牌金融顾问人工终审.
Indicative borrowing power
$680k
Based on sample profile data. Actual results depend on your circumstances and lender criteria.
No credit check required for your snapshot.
Your assessment is free and obligation-free.
Lender names are anonymised for comparison purposes.
| Lender | Indicative rate | Monthly repayment | Borrowing power | Adviser note |
|---|---|---|---|---|
| Lender A | 6.49% | $3,810 | $680k | Strong fit for your profile |
| Lender B | 6.55% | $3,840 | $655k | Likely fit, subject to review |
| Lender C | 6.69% | $3,910 | $628k | Needs income detail checked |
| Lender D | 6.79% | $3,960 | $604k | Manual assessment required |
These rates and repayments are indicative only and are based on the information you have provided. Actual rates depend on your personal circumstances, lender assessment criteria, and are subject to change. This is not an offer of finance.
Trust and security
AI suggests. Advisers decide.
Sparx is designed to make your information easier to assess while keeping consent, privacy, and adviser responsibility explicit.
AI organises your data
Preliminary insights only
Adviser reviews the file
Human judgement and duty of care
You decide next steps
Free and obligation-free
Akahu Open Banking
Securely connect your accounts to Sparx with read-only access. We cannot move money or make changes.
You can revoke access at any time.
Didit Identity Verification
Verify your identity online using government-issued ID when a formal application is ready to proceed.
Your identity data is handled securely.
Privacy and Data Handling
We collect only the information needed to assess borrowing power and connect you with an adviser.
We never sell your personal data.
Who Sparx helps
Built for the moments when clarity matters.
Whether you are buying your first home or preparing a more complex application, Sparx helps turn uncertainty into a better conversation.
First-home buyers
Understand what you may be able to borrow before you spend weekends chasing listings.
Learn moreUpsizers and movers
Compare what a new purchase could look like alongside your current commitments.
Learn moreSelf-employed borrowers
Organise income context for adviser review without guessing what documents matter.
Learn moreInvestors
Explore indicative serviceability and next-step options with adviser oversight.
Learn moreQuestions
Know what happens before you share more.
Clear answers about AI, adviser review, privacy, and the first borrowing snapshot.
No. Sparx provides a preliminary assessment for guidance only. A licensed financial adviser must review your information before any recommendation is made.
No credit check is required for your initial snapshot. If a formal application is later submitted, your adviser will explain the next steps first.
Lender names are anonymised for comparison purposes. Your adviser will present specific options after reviewing your complete financial profile.
With your consent, Sparx can receive read-only transaction information through Akahu. We cannot move money or make changes to your accounts.
Licensed financial advisers provide any lending recommendation. Sparx is a technology platform that helps prepare clearer information for adviser review.
Ready to understand your borrowing power?
Start with a preliminary snapshot, then talk with a licensed adviser before making any lending decision.