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About The Mortgage Lab

It began with one man with a vision…

The Mortgage Lab story began in 2016 as Rupert Gough was commuting between Wellington and Auckland.

As Rupert travelled between the cities and spoke to local mortgage brokers, he realised they almost all had the same issue.

The problem with banks

Banks must continually alter the type of risk they are happy to accept.  This means that one week a client will be approved for a mortgage, the next week the same application could be declined.  It is a constant struggle for small mortgage broker companies to keep up with this flood of information.

Mortgage Lab is born

So, in early 2017, on his honeymoon and off the coast of Cuba, Rupert decided that there had to be a better way.  A way that a group of mortgage brokers could make use of the latest in technology and communications to easily keep up to date with the latest policies.  A way that would mean mortgage brokers wouldn’t work alone in their silo but together so that clients could end up in the best financial position possible.

On 1st March 2017, the Mortgage Lab opened in Takapuna, Auckland and in just a few short years has grown to a nationwide company.  Inspired by the blue and yellow of Auckland and Wellington, Mortgage Lab represents a friendly place for clients to come and purchase property or improve their current mortgage situations.  Brokers can easily access the latest information on our in-house communications channels and can workshop a client’s deal with anyone else in the company.

Our plans are for the future

We’re coming to a town or city near you.  We’re here for our clients through global pandemics and economic recessions.  If we’re not in your city yet, we have the full capability to help you remotely.  We can’t wait to go on your mortgage journey with you.

Perhaps you’d like to join us as a mortgage broker?

We offer:

  • Flexible Hours – you can work when and where you want too
  • Weekly sit down with a professional Business Mentor
  • Continued Professional Development training
  • Fully-Paperless System – with daily backed up servers
  • And a lot more…

Find out more by visiting our Mortgage Career Page here

Can you get KiwiSaver help?

When you are buying your first home, one of the first things to confirm is whether you have access to KiwiSaver and/or the First Home Grant. We have a range of articles spelling out everything you need to know about these options. The use of your KiwiSaver increases your deposit, which can make borrowing significantly easier and cheaper.

Don’t forget: for all questions, you can always contact your local mortgage broker directly. It only takes 2 minutes to call the adviser and you will have an answer immediately.

What Past Clients Say…

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

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

Lynne Dent

New Home - T Michelle, Christchurch
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

Extremely helpful and responsive.

Kyn Jackson

New Home - A Hancock, Auckland

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

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

Huriana has been fantastic, no hesitation in recommending her.

Huriana Tahere

Refinance - D Ackley, Christchurch

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

Samuel Eva

Investment - Auckland

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

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

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

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

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 get my finance sorted however s…

Lynne Dent

First Home Buyer - T Theyers, Christchurch

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

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

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

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

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

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

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

Why Choose Us?

Because when it comes to your first home, you deserve the very best…

 Stress-free process

We act quickly to reduce the hassle and hold-ups of the financial approval process

 Expert advisers

We’re highly experienced and trained to help you through the mortgage approval process

Friendly service

We’re here for you and we genuinely care about helping make your dream a reality

Want to DIY but need a little more help?

Purchase our book online to become the next successful first home buyer

Our paperback book “The Successful First Home Buyer” walks you through the entire process of preparing to buy your first home.

The goal? By the end of the book, you will present to the bank as the perfect buyer!  Follow the To-dos at the end of each chapter and make the entire home-buying process easy.

Send us a message:

Get in touch with Mortgage Lab. Simply send us a message via the form and we’ll be in touch shortly.