Mortgage Lab Makes Home Loans Simpler for Kiwis
Mortgage Lab is a New Zealand mortgage adviser and broker brand helping first-home buyers, homeowners, investors, and new-build clients find clearer lending options.
$2B+
Loans Settled
30+
Expert Advisers
10+
Years Experience
4.9
Google Rating
Our Story
Mortgage Lab was founded by Rupert Gough, who saw first-hand how confusing and stressful the mortgage process could be for everyday Kiwis. With a background in banking and financial services, Rupert knew there had to be a better way.
Today, Mortgage Lab has grown to become one of New Zealand's leading mortgage advisory firms. With over 30 advisers nationwide, we help thousands of Kiwis every year achieve their property goals.
Our advisers help with first-home loans, refinancing, mortgage refixing, construction finance, investment property lending, KiwiSaver advice, and insurance conversations that connect back to the mortgage decisions people are making.
What sets us apart is our commitment to education and transparency. We don't just find you a loan, we help you understand your options so you can make the best decision for your circumstances.
Our Values
Client First
Your goals are our priority. We take the time to understand your situation and find solutions that work for you.
Expert Advice
Our advisers are highly trained and stay up-to-date with the latest lending policies and market conditions.
Transparency
We explain everything clearly, including how we get paid, so you can make informed decisions.
Nationwide Reach
With advisers across New Zealand, we can help you wherever you are.
How We Work
Free Consultation
We start with a conversation to understand your goals, financial situation, and timeline. This is completely free and without obligation.
Find Your Options
We research the market and present you with the best loan options from our panel of lenders, explaining the pros and cons of each.
Handle the Paperwork
We manage the entire application process, liaising with the bank on your behalf and keeping you updated every step of the way.
Ongoing Support
Our relationship doesn't end at settlement. We're here to help with refixing, restructuring, and any future lending needs.
What Our Clients Say
“Karen was fantastic to work with again - helped us navigate our mortgages for weeks through a complex separation situation, and worked hard to get an amazing rate locked in. Communication was excellent - we appreciated the frequent updates and follow ups!”
Sara-Jane Evans
Karen Latimer“We had a fantastic journey throughout the process and as a first home buyer we are very grateful that we've been introduce to Josie by a friend. And I will strongly recommend her to anyone who are looking for adviser that will help and guide from the very start until its settled. It's really challenging but worth it.”
h.pat
Josie Coronado“From the moment I posted in the Facebook group - First Home Buyers page, Somesh instantly replied to my post with in half an hour I was already on the phone talking about my current situation. 8 days later I was pre approved which was insane to me given I barely did anything just provided what Somesh needed and he ran with it. Somesh truely looked out for my best interest and kept me updated every step of the way, Somesh will work his butt off trying to get you into your dream home, whether you are a first home buyer or looking for your next investment Somesh is who you can count on and will always be in your corner even when you feel like no else is. Will forever be grateful, Somesh thank you for everything, absolute LEGEND!!”
Whiti Beazley
Somesh AwasthiReady to Get Started?
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