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Your Mortgage

made easy

Get Friendly Expert Mortgage and Insurance Advice

Whether you’re looking to buy your first home, already have a mortgage, or are looking to invest, we’re here to help you through the sometimes quite daunting process of getting a new mortgage and protecting you with Life and Health insurance.

We make sure everything is set up correctly, help satisfy the bank’s conditions, and work tirelessly to get you the best mortgage rates and conditions… nothing goes in the too hard basket, that’s a promise!

And the best part? All this at usually at no cost to you!

That’s right, we don’t charge you for our services, so get in touch and find out how we can save you time, hassle, disappointment and money, while making your house purchase a smooth and seamless process.

The 5 Steps To Getting A Mortgage

We’ll meet and discuss your needs

We’ll go and get approval from the best bank for you

Pre-approval!

We’ll negotiate interest rates and meet to talk about how you’d like to structure your mortgage

You’ve got yourself a house!

Why Mortgage Lab?

Let us take the stress out of your next property purchase

You’re so close, you’ve been scouting the property market for months, you’ve been to countless open homes and talked to seemingly every agent in town and now you’re ready, you’ve found it… the one! Your dream home or investment opportunity!

Unfortunately, now comes the hard bit… getting it over the line. You need to tick many boxes and finance approval is one of the big ones.

Our mortgage brokers make sure you get the best deal, minus the hassle. Our insurance brokers then make sure it’s fully protected.

We will walk you through the process of buying your first (or next) property, making sure to provide you with crucial information every step of the way, pulling out all the stops to get you over the line in time so that you don’t miss out on your dream home or investment opportunity.

Korinne is amazing! Made the process so easy and very fun to work with. Highly recommend!

Korinne Ellis

Life and Health Insurance - H Fuller, Auckland

Brett made it a streamlined process. We valued his expertise and guidance through the whole process.

Brett Davies

Purchase of New Home

Rachel was very helpful taking the stress out of the whole process and went the extra mile to ensure I got what I needed.

Rachel Railey

New Home and Consolidation - V Aperahama, Auckland

We went through Robyn Turner from a recommendation, it was the best decision we could have made. She was lovely from the start and really went that extra mile for us. We had a deadline going into it and while some of this adventure was luck, we owe so much of the success to Robyn. There were times we we…

Robyn Turner

First Home - Bay of Plenty

Lynne was very helpful, positive, and worked hard to get the best deal for us. She made it possible for us to be able to buy a house much sooner than we expected. She respected our wishes, explained things well, and adapted to the changes necessary with lockdown very well. She always conducted herself p…

Lynne Dent

First Home Buyer - B Dickinson, Invercargill

Laura was such a lovely person. Not only did she do an excellent job, she really cares about her clients. She made the process so easy. She also recommended a KiwiSaver adviser as well. I think everyone should use a mortgage advisor and Laura is highly recommended by me.

Laura Cates

New Home - J Lewis, Northland

Great listener and communicator, safe hands with sensitive information and guidance and presenting of options is all you want when negotiating with Banks. Cannot thank Karen enough.

Karen Hyland

New Build - C Bain, Auckland

I would recommend Mortgage Lab and Huriana Tahere to anyone looking for a mortgage. They work for you to find the best solutions for you to select from. I would rate them 5 stars.
Huriana could not have worked harder for us and we felt she went above and beyond. There were hurdles and she managed to fin…

Huriana Tahere

Building New Home - M Cunningham, Dunedin

Brett was amazing, he really looked after us and made every effort to get us our home loan. I would recommend him any day.

Brett Davies

First Home Buyer - S Vatble, Auckland

Thank you again for the solid advice and finally sorting my KiwiSaver to be far more rewarding. Can’t wait to make more progress with my upcoming new home.

Kyn Jackson

KiwiSaver

Robyn was fantastic! Always available and really responsive. She helped us understand all of our options and was always there to answer all our questions big or small. I would recommend Robyn to anyone and will use her for our future mortgage needs.

Robyn Turner

First Home Buyer - C Beech, Waikato

Samuel was amazing. I hope to work with him again in the future.

Samuel Eva

Investment - Auckland

Robyn goes above and beyond at every turn, she is prompt and efficient and has never left us feeling like we don’t know what is going on, I would recommend her in a heart beat to anyone looking for a broker.

Robyn Turner

First Home - Tauranga

Lynne is the best! She helped us a lot. Always answer our questions. Thank You Lynne

Lynne Dent

First Home Buyer - S Petrova, Christchurch

Karen was amazing!!! We couldn’t have got anyone better so was just outstanding and we are so happy!

Karen Hyland

Mortgage Purchase

Laura was so amazing and understanding. Really helpful especially as all the work was done during level 4 lock down. I can’t recommend the service and experience highly enough.

Laura Cates

New Purchase

Robyn has been very committed to helping us achieve what we are wanting to do and doesn’t give up when obstacles have risen.

Robyn Turner

Mortgage - Tauranga

I found Robyn very attentive and knowledgable. I had a complicated application and she made it very easy for me. She managed to get it all sorted for me.

Robyn Turner

Refinance - Tauranga

Johnny Ang is a reliable professional with great character. He had exceeded our expectations and went extra mile helping us. We will definite engage him again!

Johnny Ang

Refinance - E Mangampat, Auckland

Very helpful! Couldn’t have done it without her 🙂

Huriana Tahere

First Home - A Axis, Christchurch

Robyn at The Mortgage Lab was amazing to work with throughout our property purchase journey. Incredibly knowledgeable, efficient and hardworking. Genuinely passionate about helping her customers and always willing to go the extra mile to get the result.

Robyn Turner

Investment - Tauranga

Samuel was great to work with and really pushed things through for us when it looked like the banks were playing hard ball. He was very responsive, professional and friendly.

Samuel Eva

Ex-Pat New Home - C Jackson, Auckland

Lynne was recommended to me by a previous customer and for good reason, she was AMAZING and made the whole process of buying our first home so much easier! She went above and beyond! Would totally be recommending! Thanks Lynne!!

Lynne Dent

First Home - S Calder, Christchurch

Brett was a real pleasure to work with. Being first home buyers in New Zealand, Brett guided us through every step along the journey. Always available and very responsive, we couldn’t be happier.

Brett Davies

First Home - G Ferreira, Auckland

Rachel was a pleasure to deal with in navigating our way through purchasing our first home. She’s friendly, professional and applied a common sense approach to make sure we got the best mortgage which suited our needs! Thank you

Rachel Railey

First Home - J Mangan, Thames

Huriana has been fantastic, no hesitation in recommending her.

Huriana Tahere

Refinance - D Ackley, Christchurch

Brett is excellent, we’ve worked with him for over 3 years now. From his initial consultation for a simple (ish) mortgage to our recently sorted construction loan Brett works hard to make sure the job is done. We would recommend his as your finance partner!

Brett Davies

New Home - A Camson, Auckland

Lynne, was fantastic from start to finish. She took the stress out of buying a house and even helped us look for a house which we now proudly own. Thank you!

Lynne Dent

First Home Buyer - H Patel, Christchurch

Everything was handled professionally and in good time with excellent communication and we feel Rachel got the best deal available to us. If we ever need any sort of loan or mortgage again we wouldn’t hesitate to call Rachel at Mortgage Lab.

Rachel Railey

Debt Consolidation and Development - Thames

Robyn has been wonderful and made the paperwork hassle an easy thing. We are very grateful for her help.

Robyn Turner

Refinance - A Thierry, Christchurch

A huge thank you to Johnny. My husband and I have been dreaming of owning our own home for years! Johnny delivered on what we had written off as never possible. We have been in our home for two weeks and can’t believe it’s ours. We will never forget Johnny and his hard work getting us over the line….

Johnny Ang

New Home - N Furlong, Auckland

Lynne was very helpful and her advice was brilliant.

Lynne Dent

New Home - P Hayward, Christchurch

Great service and communication.

Johnny Ang

Existing Home Owner

Laura made this process painless. We have some advantages in our favour but it was effortless from our end. Highly recommended.

Laura Cates

New Home - P Smith, Northland

What a fantastic service! Brett is a pleasure to work with, he is highly professional, communicative and was able to sort our mortgage out for us at very short notice. He really went the extra mile to make sure everything was in place for our settlement.

Brett Davies

New Home - J Catterall, Auckland

A great help, easy to deal with, knowledgeable and has good advice. Will definitely be calling Kyn again for our next mortgage.

Kyn Jackson

Mortgage Advice - Auckland

Korinne is amazing. She was always just a phone call, txt, email away. She’s funny and witty, understood what I needed without me really knowing what I wanted. I really didn’t do much. Korinne did it all.
Amazing. 

Korinne Ellis

Life and Health Insurance - J Dobias, Auckland

After struggling to get finance through ANZ Bank we sort help from Rachel and Mortgage Lab. We found her to be very professional and easy to deal with, we presented a unique case and Rachel worked tirelessly to get the best out come for us, her communication at every step kept us informed and nothing was too …

Rachel Railey

Development and Debt Consolidation - S Thompson, Thames

Laura Cates was amazing she worked with us to secure a construction loan and worked really hard to help us achieve our dream of home ownership Thank you.

Laura Cates

New Home - P Turnock, Northland

Korinne made it easy. I have been putting off getting insurance for a long time. Now I’m sorted and feel relieved I’m covered

Korinne Ellis

Life and Health Insurance - Auckland

Karen was amazing, super quick and helped us amazingly. She was also great at answering any stupid questions that we had and explained everything in an easy to understand way. She was amazing, going above and beyond what we had expected.

Karen Hyland

New Home - S North, Auckland

We are very happy with Johnny, he understand very well our needs, our ability and he also understand how the financial institution works therefore he is able to provide us some solutions.

Johnny Ang

Top Up - K Sulinom, Auckland

I loved working with Robyn. She was so helpful, answered all my questions in an easy to understand way. And helped me every step of the way.
I felt like I would’ve been lost without her through the whole process. I can’t recommend her highly enough! Thanks Robyn!

Robyn Turner

First Home - Z Franich, Tauranga

Very professional service.

Samuel Eva

Top Up - G Eva, Auckland

Rachel was the best friend we didn’t know we needed. She is warm, understanding, knowledgeable and will fight for you. You NEED Rachel on your team.

Rachel Railey

First Home -T Bryant, Waikato

Lynne was fantastic to work with, totally honest all the way through and she really understood the way my pay worked (as I am self-employed). I felt that she was totally in my corner all the way through.

Lynne Dent

Refinance - J Denham, Christchurch

Amazing every step of the way, no question was to hard and kept us up to date with how everything was going!

Rachel Railey

Refinance - L Fisher, Waikato

Samuel was so knowledgeable and made the whole process so easy. I would definitely recommend him to anyone looking to buy a house!

Samuel Eva

Purchase of First Home

Robyn was incredible and so encouraging. I would never have thought I could buy a place in my dream location, but with her help I did. She was a wealth of knowledge and always happy to answer my (many!) questions.

Robyn Turner

First Home

Brett has helped us a couple of times and he’s been fantastic. We’ve recommended him to our friends and family as well.

Brett Davies

Top Up - Auckland

Brett has been fantastic. He’s knowledgeable and accomodating. There wasn’t anything I asked of him that he couldn’t work with and figure out some option for. I’ll never use anyone other than Brett again.

Brett Davies

New Home - H Sanders, Auckland

Lynne is great, she showed me how to manage my finances more effectively and how this affected my application with the bank and went above and beyond to get my loan through for me!

Lynne Dent

First Home Buyer - J Keegan, Christchurch

Huriana has been amazing throughout our whole process! From the minute we contacted her to ask for advice to the minute our build contract and section settled – she was there. Huriana was highly professional and helpful during what ended up being a long and complicated process. To be honest, we…

Huriana Tahere

New Build - Christchurch

Brett is great :-)!

Brett Davies

New Build Investment Property - A Camson, Auckland

Johnny helped me with every step of my first home purchase. He’s very responsive and helpful. He patiently assisted me through the entire process. I found Johnny to be extremely knowledgeable and was very prompt on communication with the many queries I sent to him. Definitely saved me a lot of str…

Johnny Ang

First Home - M Angelica, Auckland

Our remortage and additional loan wasn’t straight-forward as we were overseas and with Covid not able to return. Our advisor, Kyn Jackson, went above and beyond to find the best package and then worked tirelessly to solve bank queries due to us being overseas. He was amazingly helpfu.

Kyn Jackson

Refinance - Auckland

Brett was outstanding to work with, kept me fully informed throughout and constantly went “over and above” to ensure everything went smoothly when purchase was completed.

Brett Davies

Investment Purchase - R Wakelin, Auckland

Brett made the whole stressful process of buying out first home easy and we felt supported the whole way.

Brett Davies

Mortgage - Auckland

Lynne was great to deal with and always available to answer any questions we had. Lynne made the process easy. Thanks Lynne!

Lynne Dent

New Home - C Steele, Wellington

Keith did a great job overall.

Keith Munro

Purchase of New Home

Samuel has been awesome to deal with & we’ll certainly be recommending him in the future.

Samuel Eva

First Home Buyer - Auckland

We bought a house in very difficult times like I’m sure a lot of people. The Mortgage Lab but especially Roger made this a seamless process. I could not think of anything they could have done better. I would never use anyone else when buying my next property. Highly recommend them. Roger did every…

Roger Fairbairn

New Home - D Hamel, Wellington

Robyn Turner made it very simple to get bridging finance. I had been quoted a $30,000 fee from a different company and given some reasons as to why it would be difficult to obtain bridging finance for a property I hoped to put an unconditional offer on. After talking to Robyn she had the approval for me…

Robyn Turner

Bridging Finance - M Mancer, Palmerston North

Robyn made the entire process of refinancing our mortgage easy, straightforward, and completely stress-free. Robyn is very professional to deal with, and really knows her stuff! I would happily recommend Robyn to anyone.

Robyn Turner

Top Up - M Johnson, Tauranga

Keith is absolutely incredible to work with and we could not be happier with the outcomes he’s provided for us. If you are looking for an Adviser who always gets back to you promptly, explains everything clearly and gets you the best deal possible, Keith is the who you are looking for.

Keith Munro

First Home Buyer - S Fourt, Wellington

Crystal is a professional person, she did great jobs during my home loan application. I’ll highly recommend her services to anyone.

Crystal Grossart

Top-Up - W Lien, Hamilton

Brett was awesome! Very thorough with his explanations, always available and going the extra mile. Loved dealing with him and he made the process very easy for someone who had never had the experience of buying property in NZ.

Brett Davies

First Home - P Costa Auckland

Karen was the ultimate professional offering great options and very helpful answering any questions I had. I would recommend this service to anyone either buying their first home or just looking at their choices.

Karen Hyland

Top Up - J Vickers, Auckland

Helpful, knowledgeable.

Johnny Ang

First Home Buyer

Brett was wonderful and professional patient! Nothing to improve.

Brett Davies

First Home - P Yin, Auckland

I thought Lynne was great, managed to get our mortgage sorted very quickly.

Lynne Dent

New Home - T Michelle, Christchurch

Keith has fast communication and is able to work with unusual situations creating a positive outcome for us.

Keith Munro

Top Up on Existing Mortgage - Wellington

Robyn was so helpful, kept us well informed of the process, and made everything so simple and straightforward. It was a dream, and we’re so pleased with the whole process.

Robyn Turner

First Home - Tauranga

Brett was great to work with, very supportive and genuinely committed to helping me buy my house.

Brett Davies

New House Purchase - Tauranga

Karen was really thorough in our initial meeting and kept us well informed along the way! Super friendly and did a great job.

Karen Hyland

New Home - J Chatfield, Auckland

Amazing at her job. Totally recommendable.

Robyn Turner

Refinance - D Jory, Tauranga

Lynne did a brilliant job organising us into our first/down sizing home. We didn’t think we had things quite in place but non the less when a place popped up we were really interested in she was able to work her magic and we have now been in our own home for a couple of months.She was so knowledge…

Lynne Dent

Purchase of New Home

Robyn is phenomenal. There wasn’t a moment I didn’t feel that she wasn’t invested in my journey. She took her time to explain the nuances of the property market and gave great advice. She gave space for autonomy and supported me through a really emotionally intense season! I would reco…

Robyn Turner

First Home - Tauranga
Lynne was recommended to me and I highly recommend Lynne to others. Lynne is highly professional and uses down to earth language.  She has a vast financial knowledge base and I could feel her passion for helping women gain financial freedom. Cheers Lynne you’re an absolute gem.

Lynne Dent

New Home - C Bunting, Christchurch

Robyn is an amazing, competent, capable and detailed broker to have on your side! She turned our dreams to realty.

Robyn Turner

Refinance - Tauranga

Johnny was exceptional throughout the process. I will definitely recommend his services.

Johnny Ang

First Home Buyer

Amazing every step of the way, no question was too hard and kept us up to date with how everything was going.

Rachel Railey

First Home Buyer - L Fisher, Waikato

Lynne made the process of refinancing our home loan very easy and straightforward. She was always very easy to get hold of and constantly kept us up to date with the progress of our application. Would definitely use her again and recommend her to others.

Lynne Dent

Refinance - A Kennett, Kaiapoi

Our adviser was so helpful answering our questions and taking different properties to the bank for us, as we missed out on a few houses before we finally got one. It was nice to know she was on our side all the way.

Robyn Turner

New Home - D Menzies, Tauranga

Lynne has been fantastic at helping us achieve our dream of buying our first home. Her advice and guidance was so thorough. Would highly recommend her.

Lynne Dent

Purchase of New Home

Wanda has been absolutely wonderful to work with and was crucial in helping us buy our investment property. She was genuinely looking out for our best interests which we really appreciate. She has the patience of a saint answering all of my stupid questions. We are very glad to have Wanda to help us wit…

Wanda Casey

Investment New Build - D Sainsbury, Auckland

Lynne was fantastic to work with and we are so glad we went with her as our advisor. The whole process was easier than I expected thanks to Lynne’s help. We would definitely recommend her to our friends and family.

Lynne Dent

First Home Buyer - S Swift, Christchurch

Karen and I work in similar industries so I thought I had a pretty good idea about what I wanted to do with my mortgage. Her advice far exceeded my expectations, she was thorough, fast, saved me more money than I expected in multiple ways and will absolutely be using her again!

Karen Hyland

Refinance - Auckland

Laura is perfect! Smart, efficient, get to the point, proactive, no complicated docs and no emails going back and forth, just perfect!

Laura Cates

New Home - J No-Ingham, Northland

Laura was awesome to deal with. She made everything so simple and extremely stress free

Laura Cates

Debt Consolidation - R Farrell, Northland

Keith is fantastic. I’ve purchased and sold a number of properties now and Keith and his team are the first people we call (as does all my family now!). Not only does he know his stuff he can often find different ways to help you achieve the goals you want, and save you money. If you’re look…

Keith Munro

Investment - C Nicholls, Wellington

I will recommend Robyn to everyone I know. She was super professional and helpful every step of the way.

Robyn Turner

Mortgage Restructure - Tauranga

Would not have asked for anything better but to get an experienced broker at my very doorstep. I applaud your care & support and irrespective of the results of all this, you have really gone above & beyond.

Lynne Dent

Purchase of New Home

Two thumbs up for Johnny, his excellent service and hard work. I would 100% recommend Johnny to my friends and family without doubt.

Johnny Ang

First Home Buyers - Auckland

I am a middle-aged single female buying a first property in Christchurch post-COVID lock-down; the most difficult market to not only get finance but actually get a property to put an offer on! My excitement quickly turned to agitation, anxiety and straight out confusion. Lynne was ready, willing and able to g…

Lynne Dent

First Home Buyer - T Theyers, Christchurch

Robyn helped us get our application submitted in record time as we were under a very tight time line. Very happy!

Robyn Turner

Mortgage - Tauranga

Lyn is an extremely capable mortgage broker. She has access to all the major lenders. Definitely consider Lyn for getting a mortgage as she has no allegiance to any lender and will sort you the best deal available.

Lynne Dent

Mortgage Advice - Christchurch

From our very first meeting, Karen was friendly, professional, helpful, informative and very, very knowledgeable. We asked many questions which I’d imagine are rather simple and repetitive to an advisor but Karen happily responded with helpful information, provided links to further information, helped…

Karen Hyland

First Home - S Greco, Auckland

Keith has been so amazing. He has gone well above and beyond what we expected trying (and succeeding) every trick in the book to get our mortgage approved.

Keith Munro

Investment Property Purchase

Keith was excellent to work with, especially in helping me to navigate through what could have been quite a stressful process as a first home buyer. Not all of it was straightforward, and his additional work was much appreciated.

Keith Munro

First Home - Wellington

Amazing.

Robyn Turner

First Home - Tauranga

Great experience, Lynne found the best mortgage option for me, was so considerate of my situation and kept me informed throughout the process.

Lynne Dent

New Home Purchase - J Rait, Rolleston

Fantastic result, I had already been declined finance by my bank, Robin From mortgage labs secured financing with a new bank. The deal was completely free and to date has saved me thousands of dollars in interest due to getting a lower interest-rate and the superior way that we structured the lending. H…

Robyn Turner

Investment - Tauranga

Very professional, I was very happy with the overall experience and manner that Samuel presented to me.

Samuel Eva

Purchase of First Home

Brett was very helpful and we felt that he went the extra mile for us.

Brett Davies

Mortgage for New Purchase - Auckland

Keith is always very professional, friendly, helpful and has excellent communication skills. I would highly recommend him.

Keith Munro

Top Up - Wellington

Lynne was very easy to work with and got my mortgage sorted for me fast. I would highly recommend her.

Lynne Dent

First Home Buyer - S Sathiyanathan, Christchurch

Thank you for Brett’s assistance and patience with all my questions along the way.

Brett Davies

Newly Constructed Property in Auckland

I can’t speak highly enough of Rachel – she was was incredible!! From the very first time we contacted her she gave us a sense of being 100% invested in our home-ownership journey with us. Rachel, from the bottom of our hearts thank you so much for your skills, knowledge, optimism and passion!

Rachel Railey

First Home - Z Parton, Waikato

I was stuck trying to refinance my mortgage. Samuel sorted everything in a professional calm way and followed up at all stages.

Samuel Eva

Refinance of Existing Mortgage - Auckland

Extremely helpful and responsive.

Kyn Jackson

New Home - A Hancock, Auckland

I cannot recommend Robyn highly enough. Stand-out! Awesome, amazing and made everything stress free. Robyn was amazing!

Robyn Turner

Refinance - Christchurch

We had the most awesome experience, we had been trying to buy a house for the entire 2020 and used a number of mortgage brokers but each asked more and more from us. They wanted us to cancel our KiwiSaver deposits and cancel this and that. We were about to give up when a friend told us about Lynne and w…

Lynne Dent

First Home Buyer - E Hilder, Timaru

Thank you so much for all your help and kindness Robyn, you’re the best! I can’t thank you enough.

Robyn Turner

Mortgage - Tauranga

Lynne was perfect for us. I know that the Mortgage Lab have great systems and support and Lynne was excellent.

Lynne Dent

Top Up - B Barr, Christchurch

We could not have asked for a better adviser than Brett. We would recommend Brett to anyone.

Brett Davies

Purchase of New Home From Overseas

I recently had the pleasure of dealing with Keith Munro from Mortgage Lab in relation to purchasing a 10 acre block of land in Hawkes Bay. Keith was super efficient and friendly, which made the whole process much less stressful, it’s the first time using a mortgage broker and I couldn’t reco…

Keith Munro

Land Purchase for New Build - P Watt, Hawkes Bay

Lynne was great to work with as a broker.

She was clear about what could be achieved and was available to field questions.

In what have been challenging times she worked really hard for us and was most interested getting the right outcome rather than the quickest solution.

We will be working with Lynne in the …

Lynne Dent

New Home - J Reeves, Christchurch

Robyn was very thorough and easy to work with. We are happy with the result and look forward to moving into our new home.01

Robyn Turner

Newly Constructed Property in Tauranga

We’re really happy with the end result.

Karen Hyland

New House Purchase - Auckland

It’s been a pleasure working with you and we have really valued your honest advice and fast responses. I know our situation wasn’t straightforward so we are extra appreciative of all your work you did to get this progressed this far.

Roger Fairbairn

New Build - Wellington

Huriana was incredibly patient and was very professional… my personal situation took a long time to get the end result but we got there all with the wonderful help of Huriana – I am incredibly grateful xx

Huriana Tahere

New Home - J McWhannell, Christchurch

Quick response and helpful.

Johnny Ang

New Home Purchase - Auckland

Lynne was excellent to deal with, very friendly and very knowledgeable. I would recommend her service.

Lynne Dent

First Home Buyer - M Ebsworth, Christchurch

Much better outcome than what I expected. Very nice person with great knowledge and advises.

Johnny Ang

Top Up - J Sugiarto, Auckland

Keith overcame some huge hurdles and in a couple of days had a mortgage sorted at a very good rate. Really pleased.

Keith Munro

Mortgage - Wellington

Very experience & helpful. Always response to email, WA, phone very promptly. Very happy with his professionalism.

Johnny Ang

Investment - Auckland

Robyn from mortgage lab is knowledgeable and helpful. She has been a a great support in getting us what we need for our family.

Robyn Turner

First Home - Tauranga

Laura was absolutely amazing and I know how difficult me and my situation where to deal with! Without her I would not have bought my first home! You can’t ask for a better mortgage broker, or person, to be guiding you through it!
Thank you Laura!!!!!

Laura Cates

First Home - Z Starr, Northland

Awesome work both times we have worked with Sam.

Samuel Eva

Refinance - J Stockley, Auckland

Lynne took all the hassle and stress out of remortgaging my home, infinitely capable, Lynne had me “sorted out ” in double quick time. Even while on holiday Lynne kept me up to the minute on progress……. Legend

Lynne Dent

KiwiSaver and Mortgage Refix - V Stokes, Christchurch

Kyn is an excellent mortgage broker, he made my first home purchase a breeze. Despite the strict lending criteria (LVR etc.) on low square metre Auckland CBD apartments, Kyn worked really hard to find a finance solution that would work. Would recommend him as a broker and adviser to all. Cheers Kyn.

Kyn Jackson

First Home Buyer - S Sinton, Auckland

Robyn brings such professionalism to her dealings. It is good to feel confident that my finances are being managed appropriately.

Robyn Turner

Mortgage - Tauranga

Important Information about The Mortgage Lab

If you would like this important information as an A4 PDF, click here.

Insurance Brokers are paid by the insurance company when your cover starts.  If that cover is cancelled within 24 months, the broker is required to repay some or all of that commission.

We reserve the right to charge for our time if a clawback is incurred.  The fee will be the estimated amount of hours the insurance application took at an hourly rate of $250 per hour.  Unlike other fees, such as Break Fees from the bank, we have capped the amount we can charge clients at $2,500.

If you are wanting to change insurance companies, the best thing to do is immediately talk to your adviser and discuss if any clawback fees will be charged.

Our Insurance Advisers are paid by the insurance company when the cover is put in place.  There are no fees for our advice.

A fee may be incurred if you change insurance companies within 24 months of the policy being issued.  Please see how FAQ: Are there fees if I change insurance companies in the future?

From time to time we may receive additional referral payments from our business partners.  Some advisers may receive payments for referring mortgages, Life and Health insurance, KiwiSaver, currency exchange or Fire and General insurance.  Mortgage Lab and the advisers do a significant amount of due diligence to make sure that all referrals are to companies of the highest quality and compliance standards.  The decision to refer to a partnering business is based on quality service first and the payment received second.

From time to time a product provider may give us a gift, hamper or ticket to an event.  The decision to refer to a product provider is based primarily on the best product for the client, not because of any gift received.  We follow a six-step advice process to assess which product is best for you.

Almost all Mortgage Lab services are at no direct cost to you as our brokers get paid a commission by the banks and other lenders when a mortgage is finalised or refixed.

The exceptions to this:

  • If a mortgage is paid off or discharged within 27 months, a fee may be incurred.  See our FAQ: What if I sell my home or refinance my mortgage shortly after using a mortgage broker?
  • Finance companies may require a fee to be added to the loan rather than paying us a commission. You’ll always be made aware of these fees long before they are locked in.
  • If, following the service provided by the adviser, you elect not to continue engaging Mortgage Lab to settle the mortgage or finalise the insurance product, the adviser may charge you an hourly rate of $250 for the work provided.  The maximum charge we will typically invoice for is $2,500.

The commissions paid are below.  These commissions are accurate at the time of writing – 15th March 2021

LenderUpfrontTrailRefix
ANZ0.85%N/a$150
BNZ0.55%0.15%N/a
ASB0.85%N/a$150
Westpac0.60%0.20%N /a
Sovereign Home Loans0.60%0.20%N/a
ASAP Finance LimitedFee ChargedN/aN/a
Avanti FinanceUp to 0.80%N/aN/a
CressidaFee ChargedN/aN/a
DBRFee ChargedN/aN/a
First Mortgage TrustFee ChargedN/aN/a
Heartland Bank (Reverse Mortgage)1.50%N/aN/a
Liberty Financial0.60%0.15%N/a
NZCU (Personal Loans)1.00%N/aN/a
RESIMAC0.60%0.15%N/a
SBS Bank0.80%N/a$150
Southern CrossFee ChargedN/aN/a
The Co-operative Bank0.70%N/A$150

Yes, Mortgage Lab holds a transitional license as a Financial Advice Provider.  All Advisers are Financial Advisers (FAs) belonging to Mortgage Lab’s license.

Mortgage Lab’s Financial Service Provider number is: FSP587228

We are bound by the duties of the Financial Markets Conduct Act (431I, 431K, 431L and 431M) to:

  • Meet the standards of competence, knowledge and skill set out in the Code of Conduct 
  • Give priority to the clients’ interest and
  • Exercise care, diligence and skill and
  • Meet the standards of ethical behavior, conduct, and client care set out in the Code of Conduct.

Mortgage advisers (often called mortgage brokers) are paid by the bank when a mortgage is drawn down.  If that mortgage is discharged (repaid and closed) within a short amount of time – typically 27 months – the broker must repay some or all of the commission (often referred to as a clawback).  In this instance, the mortgage broker has essentially done the work for no pay.

We reserve the right to charge for our time if a clawback is incurred.  The fee will be the estimated amount of hours the mortgage took at an hourly rate of $250 per hour.  Unlike other fees, such as Break Fees from the bank, we have capped the amount we can charge clients at $2,500.

If you are refinancing or selling your house, the best thing to do is immediately talk to your adviser and discuss if any clawback fees will be charged.

Our Advisers can work with the following KiwiSaver providers:

  • Generate
  • NZ Funds
  • Booster

Please check the individual adviser profile pages to see who that particular adviser works with.

Our services include:

  • Loans including mortgages, reverse mortgages and personal consolidation loans
  • Personal and business insurance (life cover, disability, income protection, mortgage protection, trauma, and health insurance)
  • KiwiSaver and Unit Trust investments

Please refer to each adviser’s profile page for their particular service.

Here is the list of the insurance providers our advisers can recommend:

  • AIA Sovereign Limited
  • Accuro Limited
  • Asteron Life Limited
  • Fidelity Life
  • NIB

Please refer to each adviser’s profile page for the list of specific providers that they work with.

Our list of 21 approved providers is as follows

  • ANZ Bank of New Zealand Limited
  • Bank of New Zealand
  • ASB Bank Limited
  • Westpac Banking Corporation
  • Sovereign Home Loans (AIA Sovereign)
  • SBS Limited
  • The Co-Operative Bank Limited
  • Pepper New Zealand Limited
  • Resimac Financial Services Limited
  • Liberty Financial Limited
  • DBR Limited
  • Southern Cross Partners Limited
  • First Mortgage Trust Limited
  • ASAP Finance Limited
  • Basecorp Finance Limited
  • Cressida Capital One Limited
  • Avanti Finance Limited
  • Bank of China Limited
  • Heartland Bank Limited (Reverse Mortgages)
  • NZCU Trustee (Personal Loans)

Please refer to each individual adviser for the full list of lenders that adviser can work with.

We may also receive a referral fee from some partners.  These include:

  • XE.com
  • Reapify Car Loans
  • Prospa Business Loans
  • Blanket Fire and General Insurance
  • Rudolph and Co Fire and General Insurance

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