Making Home Loans Simple for Kiwis
Mortgage Lab was founded with a simple mission: to make the mortgage process easier for New Zealanders. We provide expert advice to help you find the right home loan.
$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.
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
“Michael was an absolute legend in helping me purchase my home! He went above and beyond, and was always thinking outside the square to make it work. He took a lot of stress out of the process. Thanks again Mike!”
Brigitte Blackman
Michael Shrubsall“Nicola was a wealth of knowledge, she took over our account from another company when we really needed help getting our mortgage across the line. She was clear in her communication and we could tell we were finally in good hands. Would highly recommend Nicola.”
Lauren Thomas
Nicola Winters“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 LatimerReady to Get Started?
Talk to one of our friendly advisers today. No obligation, just honest advice.
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