Mike Pero Real Estate

What Mike Pero Real Estate does

Mike Pero Real Estate (legally Mike Pero (New Zealand) Ltd) is a privately-held New Zealand mortgage brokerage founded in 2010 and headquartered in Fendalton. The company operates a nationwide network of locally-based mortgage advisers who connect individual borrowers with a broad panel of lenders, generating revenue primarily through origination and referral commissions on completed mortgage transactions. Core products include residential mortgages (first home buyers, refinancing, investment property), insurance products (house and contents, landlord, personal), personal loans, online financial calculators, and a customer self-service portal branded as the Mike Pero Store.

The business model is commission-based: advisers earn transaction fees from lenders upon successful loan settlement, with supplemental affiliate referral income from insurance products. Distribution is channel-led rather than direct-to-consumer, relying on a broker-finder website tool, a 24/7 phone helpline (0800 500 123), and a real estate referral arrangement with Raine & Horne to drive leads into the adviser network. Customer acquisition is supported by content marketing (a downloadable home buyers guide), Trustpilot-anchored social proof, and segmented messaging targeting first home buyers, refinancers, property investors, and borrowers with non-standard financial profiles such as bad credit or small deposits.

Technology is not disclosed beyond standard web infrastructure; the value proposition rests on human-adviser expertise, lender panel breadth, and geographic coverage rather than proprietary software. The company is privately held with no disclosed funding rounds, no parent company, no subsidiaries, and no management team information available. Operating status is active, with 101-250 employees and services confined to the New Zealand market.

Name

Mike Pero Real Estate

Legal name

Mike Pero (New Zealand) Ltd

Website

https://mikepero.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

101–250 employees

Short description

Mike Pero Real Estate is a New Zealand mortgage brokerage operating a nationwide network of local advisers who connect individual borrowers to a broad panel of lenders, earning commission on residential mortgages, insurance, and personal loans.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA)

akta.pro secondary industry

Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA)

Keywords

• Mortgage broking
• Home loan services
• Insurance brokerage
• Personal loan brokerage
• Refinancing services

Headquarters

HQ city

Fendalton

HQ country

New Zealand

HQ region

Oceania

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D

Revenue model

1. Mortgage Broking Commission: Mike Pero mortgage brokers earn commission from lenders when customers successfully obtain loans through their brokerage. The brokers have access to a wide panel of lenders, earning referral or origination commissions on completed mortgage transactions.
2. Insurance Products: Mike Pero brokers have access to insurance providers covering house and contents, landlord's insurance, and personal insurance options. Revenue is generated through commissions on insurance products sold alongside mortgage services.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Mike Pero is a New Zealand mortgage broker that connects individual borrowers with a wide panel of lenders to source home loans for first home purchases, refinancing, refixing, and investment property acquisitions. The offering is extended with insurance brokerage (house and contents, landlord's, personal insurance) and personal loan brokering, supported by online calculators and a customer portal. Services are delivered through a nationwide network of locally based mortgage advisers, with a 24/7 phone helpline and website-driven customer intake.

Product overview

Mike Pero is a mortgage broking business offering a suite of financial services centered around mortgages as the core product. The company operates as a broker model with access to a wide panel of lenders, complemented by insurance products (house and contents, landlord, personal insurance) and personal loans. Additional services include online calculators for mortgage planning and the Mike Pero Store customer portal for account management. Real estate services are referenced through a partnership with Raine & Horne. The business positions itself as a one-stop shop for property financing needs, with local advisers providing face-to-face guidance throughout the mortgage process.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgages Mortgage broking service connecting individual borrowers with a wide panel of New Zealand lenders to find suitable home loan solutions across first home purchases, refinancing, refixing, and investment property loans. Delivered through locally based Mike Pero advisers.
• Insurance Insurance brokerage covering house and contents insurance, landlord's insurance, and personal insurance options, accessed through partnered insurance providers alongside the mortgage offering.
• Personal Loans Personal loan broking service helping customers access loans for various personal financial needs through the firm's lender network.
• Mike Pero Store (Customer Portal) Online customer portal providing access to manage mortgage applications, documents, and communications with advisers.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Raine & Horne (Referral Link)minorOthersMike Pero website includes a referral link to Raine & Horne real estate services (https://www.raineandhorne.co.nz/). This appears to be a one-way referral arrangement where Mike Pero mortgage customers can be directed to Raine & Horne for real estate services, suggesting a complementary service relationship rather than formal partnership.

Scale indicators1 record

Recent moves4 records

Expansion highlights4 records

Direct peers

• Loan Market New Zealand: National mortgage broker network operating across NZ via local advisers with multi-lender panel access; near-identical business model to Mike Pero, competing for the same first home buyer and refinancing customers.
• Squirrel Mortgages: NZ-based mortgage broker/fintech combining a panel of lenders with a digital application experience; directly comparable to Mike Pero's mortgage broker model with overlapping customer base of first home buyers and refinancers.
• NZ Financial Services Group: NZ-based adviser group providing mortgage, insurance and financial advice through a national network, overlapping materially with Mike Pero's products and adviser-led distribution.
• Mortgage Express: NZ mortgage brokerage arranging home loans across a panel of lenders, with similar adviser-driven distribution and customer segments to Mike Pero.
• Mortgage Choice New Zealand: NZ/Australian mortgage broker franchise network with multi-lender access and local advisers; directly comparable business model targeting first home buyers and refinancers in NZ.
• Fast Loans New Zealand: NZ non-bank lender and broker of personal and home loans; comparable in serving customers with non-standard credit profiles and providing alternative lending products alongside traditional mortgages.

Broad incumbents

• Heartland Group Holdings: NZ-listed bank and lender providing reverse mortgages, personal loans and business finance; competes with Mike Pero's non-standard credit and personal loan offerings from a balance-sheet-funded position rather than a broker model.
• Westpac New Zealand: Major NZ bank with substantial residential mortgage book; competes with Mike Pero for direct-to-consumer mortgage origination while also sitting on its lender panel.
• ANZ Bank New Zealand: Largest NZ mortgage lender with direct origination that competes with brokers for share; comparable as a counterparty on Mike Pero's lender panel and as a potential channel-disintermediation threat.

Others

• Raine & Horne New Zealand: NZ real estate agency network that has a referral link with Mike Pero; adjacent because it sits one step upstream in the property purchase funnel that drives mortgage demand.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/mikeperore
• LinkedInlinkedin.com/company/mike-pero-real-estate

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Mike Pero Real Estate