About The Mortgage Lab

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About Us

A Little

Talk to a Mortgage Broker

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…

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

Ruan has been totally awesome, and have highly recommended him to others. Thanks Ruan for all your hard work and getting our approval across the line. You are truely amazing.

Ruan Chryssafis

New Home - B Bright, Tauranga

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

Thank you its so easy to deal with you.

Ruan Chryssafis

Top Up - M Farid, Auckland

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

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

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 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 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

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

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

Lynne Dent

First Home Buyer - M Ebsworth, 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

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


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

Laura Cates

Debt Consolidation - R Farrell, Northland

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

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.