About Vault
Built on trust. Engineered for momentum.
Vault Finance was founded by senior advisors who believed New Zealanders deserved better than tick-box lending. Today we serve ambitious clients across the country with a single mandate: unlock the right capital, faster.
Our philosophy
Finance is a tool — not a maze.
We believe great finance is invisible. It moves quickly, it asks for what it actually needs, and it leaves you free to focus on the move you're making.
Every Vault client works with a senior advisor from first call to final settlement. No handoffs, no scripts, no surprise fees.
With over 12 years of experience and access to a wide panel of New Zealand lenders, we routinely structure deals that high-street brokers can't.
Our vision
A smarter way to finance — for every Kiwi.
To be New Zealand's most trusted finance partner — where every borrower, from first-car buyers to seasoned investors, has access to fast, fair and transparent lending built around their goals.
Our mission
Cut the friction. Unlock the move.
We exist to remove the noise from finance. Through senior advice, sharp structures and a 75+ lender panel, we deliver decisions in hours — not weeks — so our clients can act on opportunity with confidence.
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Years of experience
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Loans completed
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Lender relationships
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Decisions from
Relationships, not portals
We don't submit through dealer portals. Every file is hand-delivered to a credit manager we've worked with for years.
Structure beats rate
The cheapest rate is rarely the right loan. We engineer the structure first — term, balloon, security — then negotiate the price.
Senior all the way
No call centres, no juniors, no handoffs. The advisor you meet on day one is the advisor at settlement.