You. Mortgage.

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We are more than just mortgage advisers.

We are your trusted Mortgage Advisers in Palmerston North. We are not aligned with any bank, so we are here for you and only you. We aim to offer you the best advice, support you through the entire process, and then watch you prosper in your financial journey.

First Home Lending

First Home Lending

We offer advice on the best direction for you, no matter the situation. We know the road doesn’t end on moving day, that’s why we continue to support and connect you with the right people to ensure your financial stability and growth across the life of your mortgage.

Next Step Lending

Next Step Lending

Whether you are an experienced property developer or thinking of investing into property for the first time, or simply wanting to take that next step in your life by moving into your next home. We are here to help you through the process. It is important to make sure you are making the right decisions in the beginning or else it could cost you dearly in the future.

Insurance

Insurance

We’ve cultivated an amazing referral relationship with Celtic Insurance Brokers, and their aim is to ensure you’re covered if anything unforeseen happens. Don’t leave your future to chance, we’ll help get you covered for all possibilities. We can refer you to Celtic Insurance to discuss your insurance needs. For every successful Insurance referral completed, Youm will be paid a commission. For further details, please refer to our Disclosure section and individual Financial Adviser Disclosure Guide.

KiwiSaver

KiwiSaver

Getting expert advice around KiwiSaver is crucial to ensuring you can best maximise your returns and ensure the best outcome when you need it. This could be to help towards a deposit on your first home, or ensuring you have a comfortable retirement. Youm have teamed up with Koura Wealth Ltd and Generate KiwiSaver who both offer advice and recommendations that will best suit your future goals and risk profile. We can refer you to discuss your Kiwisaver fund.

Our Lender Options

Our Lender Options

Mortgage repayment calculator.

home loan

Interest rates are constantly changing, so just remember that these numbers aren’t fact.

For those itching to get an idea of repayments, our simple tool is a great starting point. Just keep in mind that these are not final figures. For those, contact the team to get the best advice.

Want to find out what your repayments will actually be?

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What others have to say about working with us.

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We are so incredibly grateful to Craig & Michelle at Youm for guiding us through our first home purchase. When we first reached out, we didn’t even know where we stood in terms of being able to buy a home — but Craig took the time to walk us through everything from the very beginning and gave us the confidence that we were ready. We felt so supported every step of the way. The communication throughout the process was excellent — Craig was always quick to respond, keep us updated, and explain everything in a way that made sense. As first-home buyers, we had plenty of questions (and a few moments of panic!), but Craig remained calm, relaxed, and patient. He made what could have been an overwhelming process feel simple and manageable. We’re so glad we were referred to Youm – best decision we made and now.. we have our first family home! Thank you, Craig & the team at Youm, for making such a big milestone feel so achievable and positive!

Meg

07/11/2025

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We have been working with Simon from Youm for the past 3 years and he has been an absolute legend! He is so professional, patient and knowledgeable, and we would 100% recommend him. He helped us through a stressful house build in 2022 and the purchase of another home last week. He worked quickly to get us in the best position to go in unconditional. We are very grateful to have had his ongoing support over the past few years, in what can be scary and stressful times. It’s not often you come across such excellent service and someone willing to go the extra mile. Thanks again Simon, we appreciate you.

Michelle

27/12/2025

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We had an amazing experience with Youm, and we can’t thank Nikita enough for all her help throughout the process. As first home buyers, we had so many questions, but Nikita was incredibly supportive, knowledgeable, and patient every step of the way. She made what could have been a stressful experience feel smooth and manageable. Highly recommend Youm, especially if it’s your first home!

Conor

27/11/2025

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YOUM has been so helpful with helping us buy our first home and helping with other areas of our Mortgage. Trish at YOUM is very dedicated to making things easy throughout the whole process. Couldn't recommend more.

Megan

19/11/2025

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Brent was been our Mortgage broker for a few years now. We have purchased houses, re-fixed, topped up for renovations, etc. To say we have been happy every time is an understatement. Always very clear advice, simple process and the best deal possible. We are now loyal customers for life. Thanks for such great service. We look forward to our Next encounter. Micah & Louise.

Micah & Louise

06/05/2025