
Michael Shrubsall
Mortgage Adviser
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About Michael
Michael Shrubsall is a Mortgage Adviser at Mortgage Lab based in Auckland, helping New Zealand clients with mortgage advice. Michael can help clients in English.
Get to Know Michael
What inspired you to become a Mortgage Broker?
I am at a stage in life where I genuinely want to help people progress.
What is the best part of being a Mortgage Broker?
Meeting new people and having the opportunity to help them attain their goals.
What have you found to be the most challenging aspect?
Keeping up to date with constantly changing legislation and bank policies.
What is your most memorable client experience?
It has to be settlement day for a first home buyer.
How would you sum up being a Mortgage Broker in three words?
Honest. Reliable. Resourceful.
If you were Prime Minister for one day, what would you do?
Advocate for flat tax implementation, scrapping bright line test, and restoring interest deductibility for property investors.
If you could have dinner with any three people (alive or dead), who would it be?
Warren Buffett, Graeme Hart, Frank Lowy.
If you weren't in Mortgage Broking, what would you do?
Full time property investor.
What Clients Say
14 testimonials
English Articles
Refix, Refinance or Top Up? How to Choose the Right Mortgage Move in 2026
A practical NZ guide to choosing between refixing your current loan, refinancing to another lender, or topping up your mortgage in 2026.
Debt Consolidation By Refinancing Your Mortgage in NZ: When It Helps and When It Hurts
Refinancing can reduce high-interest debt repayments, but it can also turn short-term debt into long-term mortgage interest. Here is how to judge it properly.
Mortgage Refinance Costs and Cashback in NZ: How to Work Out the Real Deal in 2026
Cashback can make refinancing attractive, but only if the numbers work after legal costs, break fees, clawbacks, and loan structure.
Ready to Chat with Michael?
Get in touch today for a free, no-obligation consultation about your mortgage needs.
Regulatory Information
Michael Shrubsall provides regulated financial advice under The Mortgage Lab NZ Limited FAP license.
Financial Services Provider number: 587228
Individual FSP: FSP1002773