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
“Karen had just finished helping my parents get a mortgage/into a property and they referred me to her for my own home: I found Karen very easy to work with, she was very informative and patient throughout the whole process. She stayed in touch regularly and made sure I had everything organised that needed to be. Will recommend Karen and mortgage lab to anyone I know in a similar position.”
James Thomson
Karen Latimer“We are so grateful for our mortgage advisor’s professionalism and dedication. Throughout our long house-hunting journey, she never pushed us or made us feel rushed. Instead, she patiently guided us step by step and always provided the most genuine, well-balanced advice. We couldn’t have asked for a better experience!”
P Gong
Cindy Huang“Susan was extremely professional and efficient from start to finish. She consistently returned my calls promptly and took the time to ensure I fully understood each stage of the process before moving forward. She was patient, thorough, and always provided sound advice. Susan clearly and concisely explained every document and step involved, and was impressively prompt in sending through all necessary paperwork. Thanks to her, my first home-buying experience was smooth and stress-free. I couldn’t have asked for a better advisor, and I would absolutely choose to work with her again for any future property purchases.”
JY Ou
Susan WuReady to Get Started?
Talk to one of our friendly advisers today. No obligation, just honest advice.
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