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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.

Let’s Have a Chat

Have you talked to Beaker yet? Have a question you need help with?
Click the smiling beaker icon below to ask Beaker and he will point you in the right direction!

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!

Helpful, knowledgeable.

Johnny Ang

First Home Buyer

Once again a very BIG thanks and as I mentioned several times during our talks. Legend. A delight to speak to. Hope all is well and all the best Laura. Laura went out of her way, beyond expectations to assist with success.

Laura Cates

Personal Loan - S Stanley, Whangarei

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

Brett Davies

Mortgage - Auckland

Roger has been amazing on my journey to purchase a new home. Communication was fantastic, all my questions were answered, and Roger was always so friendly and a pleasure to work with. Without Roger’s help, I don’t think I could have achieved my goal of a new home, and I am so grateful to hav…

Roger Fairbairn

Refinance - C Willsher, Wellington

She is excellent. She is very helpful.

Cindy Huang

New Home - J Yang, Auckland

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

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

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

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

Lynne was phenomenal, and a real asset to your team. Nothing was ever a problem, she responded quickly and was genuine in her efforts to help us buy a home, even with our fairly complex income arrangements. She’s a star.

Lynne Dent

New Home - M O'Connor, 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

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

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

Quick response and helpful.

Johnny Ang

New Home Purchase - Auckland

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

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

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

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

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

Cindy was brilliant! She got us a mortgage when I thought we wouldn’t have a chance because of our age!

Cindy Huang

New Home - J Hoby, Auckland

Bryony was a pleasure to work with and went beyond our expectations. She was very friendly, knowledgeable and supportive. Bryony was amazing.

Bryony Tesar

New Home - S Derrick, Nelson

10/10 Mike. Thanks for your support and for getting me across the line through challenging times. I found him to be very committed and professional in all areas of our business. Great to have a person to person chat and a great contact like Mike. I will always use Mortgage Lab to help me move forward …

Michael Shrubsall

Refinance and Top-Up - E Klaassen, Auckland

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

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

Laura Cates

Debt Consolidation - R Farrell, Northland

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

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

Dustin has been fantastic in educating us and suggesting options to finance our first home. Greenhorns like us wouldn’t have made it to securing a loan if not for Dustin. We are happy to secure Dustin’s advice over a long term as we feel Dustin is well aware of our financial commitments and …

Dustin Lindale

First Home - A Sha, Auckland

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

An awesome advisor, excellent explanations that made it easy to understand the process. Very well balanced professional advice with the much appreciated personal touches throughout especially the small words of encouragement that actually meant the world and made a great difference to my wife and I, in …

Bryony Tesar

New Home - Auckland

Cindy is very friendly and helpful to answer all of my questions so the whole process is very smooth and effective. She evaluated what the best of mortgage condition and the kind of property I should look for. I am so happy that I can buy the house so quick and hassle free. You can contact her and you w…

Cindy Huang

First Home - C Cheng, Auckland

Brett was awesome in helping us navigate the mortgage process as first home buyers. He was patient and answered all of our questions and concerns.

Brett Davies

First Home - S Cawte, Auckland

Johnny Ang was very helpful and outstanding. He went above and beyond our expectations, and gave us excellent deal on a mortgage, also make the process easy assisting step by step, given the current climate. Highly recommend to anyone.

Johnny Ang

First Home - N Michael, Auckland

Great service and communication.

Johnny Ang

Existing Home Owner

Karen has been absolutely amazing, she took all the stress out of getting the mortgage for our first home.

Karen Latimer

First Home - C Erickson, Whangarei

There’s been a huge list of things I’ve had to organise with the purchase of the land and letting of the house. It seems to be never ending- at the moment.
But the reason this is all happening is all thanks to your wonderful assistance- and under such a pressing time frame!
I so appreciate the effort you put in for me, you…

Nicky Cornish

New Home - Kai Iwi

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

Brett Davies

Purchase of New Home

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

Lynne Dent

New Home - T Michelle, Christchurch

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

I really enjoyed having Roger as our advisor. I have spoken with many mortgage advisors, and I can very well tell that he is far more knowledgeable than anyone else. He was listening to our requirements and suggesting with the best options. This was for our land purchase to construct our first home. I w…

Roger Fairbairn

First Home Land Purchase - B Davis, Lower Hutt

Lynne was amazing to work with. We were referred to Lynne by another Mortgage Lab team member who was no longer able to look after us and since we were moving to another area they chose Lynne to be the most suitable and she really was 🙂 Not only did Lynne always make the time to answer our questions …

Lynne Dent

New Home - V Hodge, Rotorua

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

Lynne Dent

First Home Buyer - M Ebsworth, Christchurch

Huriana has been fantastic, no hesitation in recommending her.

Huriana Tahere

Refinance - D Ackley, Christchurch

It was a hard 4 months getting through the new banking changes and dealing with the change in market conditions. Brett was there every step of the way and we are now happily settling into our new rural property. Thanks heaps!!!

Brett Davies

New Home - B Kruger, Upper Hutt

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

Very helpful!

Cindy Huang

New Home - D Tran, Auckland

Brett was so patient with the ongoing fiddly issues that I was having with the bank. He was so prompt to reply to my queries no matter how big or small. I really appreciated his expertise and support.

Brett Davies

Top Up - L Beneka, Auckland

We had the pleasure of working with both Robyn and then Nicky.
I can’t expand how grateful we felt having them. Their communication was so prompt and clear which reduced a lot of stress when it came down to quick deadlines. Dealing with them felt very personal and we never made to feel like we were anno…

Nicky Cornish

New Home - C Campbell, Tauranga

Johnny was very helpful. He helped us secure a good rate with a great cash back and got us the products that we wanted. He is very approachable and always gets back to you no matter the time of day. He is also very professional and honest with his recommendations and answers to questions.

Johnny Ang

Refinance - E Mar, Auckland

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

Brett was wonderful and professional patient! Nothing to improve.

Brett Davies

First Home - P Yin, Auckland

Big thank you, everything went smooth, easy, professional.

Nicky Cornish

New Home - Omakau

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

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

Lynne was absolutely fantastic! She is simply the best mortgage advisor I have ever dealt with. Lynne worked really hard to help me, she worked really hard to help me achieve my goal. Lynne was the best broker I have ever dealt with. Thanks again Lynne!!

Lynne Dent

Refinance - E Millanta, Wellington

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

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

Lynne Dent

First Home Buyer - S Petrova, Christchurch

Roger has been amazing thanks so much.

Roger Fairbairn

New Build - Christchurch

Roger guided us through the whole home buying process with his expertise for a great outcome. We started our mortgage journey together with Roger while we were in the UK and it ended in the smoothest in our own home.
Thanks heaps Roger.

Roger Fairbairn

New Home - G Chulla, Wellington

Johnny is an absolutely amazing adviser. He made our first home purchase a breeze, kept our stress at bay and was the one keeping us well & sane throughout the whirlwind of a process. We will always be true & loyal to Johnny, he is the greatest!

Johnny Ang

First Home - S Putri, Auckland

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

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

Johnny Ang

First Home Buyer
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

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

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

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

Brett Davies

Newly Constructed Property in Auckland

Brett was fabulous to work with and hung in with me through lockdowns and doubting I would find anything. His advice was pragmatic and no nonsense just what I needed. Highly recommended.

Brett Davies

First Home - K Tairi, Auckland

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

Keith did a great job overall.

Keith Munro

Purchase of New Home

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

Very much enjoyed working with Lynne, made the process less daunting, without Lynne I don’t believe I would have had the confidence to complete the home purchase as she was able to explain what the bank wanted in everyday English! Very impressed and will definitely be recommending Lynne.

Lynne Dent

First Home - S Pearce, Timaru

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

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

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

Johnny Ang

Top Up - J Sugiarto, Auckland

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

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

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

Johnny Ang

Investment - Auckland

Lynne was very helpful and her advice was brilliant.

Lynne Dent

New Home - P Hayward, 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 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

Enjoyed working with Brett as he can explain the process in Layman terms.

Brett Davies

Top Up - L McCann, New Plymouth

Mr Johnny Ang was very reliable adviser with integrity and sound knowledge.
He made my first home buying experience as seamless as possible even though the settlement was delayed due to other factors.

Johnny Ang

First Home - R Bhupathiraju, 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

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

We were introduced to Johnny as our broker from a family member. Johnny has been there with us in every step of the way from sale to settlement. Every bump in the road Johnny was there to guide us through. He would always get right back to us, answered every question. Johnny is transparent and with us all the…

Johnny Ang

New Home - M Sugiarto, Auckland

Brett was amazing to deal with – our case wasn’t straightforward but he persevered and got it over the line. We’re so grateful for everything he did – we would absolutely recommend him.

Brett Davies

Refinance - N Munro, 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

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

Keith Munro

Top Up - Wellington

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

Brett Davies

Mortgage for New Purchase - Auckland

Cindy was one of the best brokers we have ever worked with. We found her at a time we were at a crossroad, not knowing if our loan was possible. She was patient with us, assured us of the way forward, and turns out she was right after all. She was conscientious and professional in her approach, always c…

Cindy Huang

New Home - S Ekundayo, Auckland

Karen was great – very professional with her advice and always helpful and available to answer any questions we had.

Karen Latimer

Investment - B & J McKenzie, Whangarei

Johnny Ang is quick and excellent.

Johnny Ang

New Home - D Subdah, Auckland

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

Huriana Tahere

First Home - A Axis, Christchurch

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

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

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

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

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

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

I am really happy working with Johnny Ang as he always ready to answer my question and understand my situation.

Johnny Ang

Top Up - Auckland

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

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

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

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

From start to finish Karen Latimer was there every step of the way. It was challenging for her and for us, but we got there in the end.
Without Karen’s knowledgeable help we would not be where we are today.
Thank you so much from Diana, Nigel and Kimberly for all your hard work. We are so grateful for e…

Karen Latimer

New Home - D Lewis, Dargaville

I very much recommend working with Karen from Mortgage Lab. She made the application process very much easier than it could have been. Her knowledge of the market is high.

Karen Latimer

Investment - Ruawai

We would recommend to anyone looking for a mortgage to engage with Roger Fairbairn from Mortgage Lab, as he was fantastic to work with and we know that we got the best outcome for our family. By working with Roger we were able to know what we could afford to purchase and he helped us work through the …

Roger Fairbairn

New Purcahse - D & T Tait, Hastings

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

Thanks Lynne, all credit to you for keeping up with our ever-changing plans and grasping our preference for managing the paperwork online digitally which was so much more efficient and convenient for us during this hectic period. You were a pleasure to deal with.

Lynne Dent

New Home - Waikawa

Great service, very professional and very helpful. Laura was great very friendly and professional.

Laura Cates

Development - Whangarei

I was buying a house on my own and was very unsure of what the next steps were. Right from the beginning I was stepped through what I needed and who I had to call. When I was overwhelmed by the process and panicked that it wasn’t going to happen. Laura reassured me and supported me with the next s…

Laura Cates

New Home - D Heta, Whangarei

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

Brett was very forthcoming and worked hard in getting our loan secured during a weird time with getting loans. He went above and beyond to make sure any oddities/confusion was sorted out in time for settlement date. Our accounts are quite complicated and we sure gave him a good workout but he succeeded …

Brett Davies

New Home - S Kruger, Upper Hutt

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

Brett Davies

New House Purchase - Tauranga

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

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

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

Brett is great :-)!

Brett Davies

New Build Investment Property - A Camson, Auckland

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.

Important Information about The Mortgage Lab

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

Our services include:

  • Loans including mortgages, reverse mortgages and personal consolidation loans
  • KiwiSaver, Managed Funds and Unit Trust investments

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

 

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 – 21st June 2022

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

Our list of 25 approved providers is as follows

Main Bank Lenders

  • ANZ Bank of New Zealand Limited
  • ASB Bank Limited
  • Bank of China Limited
  • Bank of New Zealand
  • The Co-Operative Bank Limited
  • SBS Limited
  • Sovereign Home Loans (AIA Sovereign)
  • Westpac Banking Corporation

Non Bank Lenders

  • Pepper New Zealand
  • Resimac Financial Services
  • Liberty Financial
  • ASAP Finance
  • Avanti Finance
  • Basecorp Finance
  • Cressida Capital One
  • DBR
  • First Mortgage Trust
  • General Finance
  • Metro Finance
  • Pioneer Finance
  • Silver Harbour Capital
  • Southern Cross Partners
  • Xceda
  • 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

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
  • ANZ OneAnswer
  • Koura

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

From time to time we may receive additional referral payments from our business partners.  Some advisers may receive payments for referring Life and Health insurance, KiwiSaver, currency exchange, Real Estate Agents 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.

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 Lab holds a Full 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

Our office contact details are:

Address: 30 Caldera Crescent
Phone: 09 886 9779
Email: info@mortgagelab.co.nz
Website: www.mortgagelab.co.nz

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