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.
Why a “Lab”?
You may have heard that getting a mortgage is part-art / part-science. However, in all honesty, it’s mostly science. Our job as advisers is to know all the policies of all the lenders and apply those to your particular situation. The art then comes in finding the best mortgage structure for you.
We want to reflect this mortgage analysis in our company. It’s about constantly finding what’s best and offering it to our clients.
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 would recommend Mortgage Lab and Huriana Tahere to anyone looking for a mortgage. They work for you to find the best solutions for you to select from. I would rate them 5 stars.
Huriana could not have worked harder for us and we felt she went above and beyond. There were hurdles and she managed to fin…
Huriana Tahere


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


Would not have asked for anything better but to get an experienced broker at my very doorstep. I applaud your care & support and irrespective of the results of all this, you have really gone above & beyond.
Lynne Dent


Keith has fast communication and is able to work with unusual situations creating a positive outcome for us.
Keith Munro


Lynne has been fantastic at helping us achieve our dream of buying our first home. Her advice and guidance was so thorough. Would highly recommend her.
Lynne Dent


An awesome advisor, excellent explanations that made it easy to understand the process. Very well balanced professional advice with the much appreciated personal touches throughout especially the small words of encouragement that actually meant the world and made a great difference to my wife and I, in …
Bryony Tesar


Karen has been absolutely amazing, she took all the stress out of getting the mortgage for our first home.
Karen Latimer


Brett was outstanding to work with, kept me fully informed throughout and constantly went “over and above” to ensure everything went smoothly when purchase was completed.
Brett Davies


Cindy was one of the best brokers we have ever worked with. We found her at a time we were at a crossroad, not knowing if our loan was possible. She was patient with us, assured us of the way forward, and turns out she was right after all. She was conscientious and professional in her approach, always c…
Cindy Huang


Johnny Ang is a reliable professional with great character. He had exceeded our expectations and went extra mile helping us. We will definite engage him again!
Johnny Ang


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


It was a hard 4 months getting through the new banking changes and dealing with the change in market conditions. Brett was there every step of the way and we are now happily settling into our new rural property. Thanks heaps!!!
Brett Davies


Lynne was perfect for us. I know that the Mortgage Lab have great systems and support and Lynne was excellent.
Lynne Dent


Brett was very helpful and we felt that he went the extra mile for us.
Brett Davies


Brett has helped us a couple of times and he’s been fantastic. We’ve recommended him to our friends and family as well.
Brett Davies


We had the pleasure of working with both Robyn and then Nicky.
I can’t expand how grateful we felt having them. Their communication was so prompt and clear which reduced a lot of stress when it came down to quick deadlines. Dealing with them felt very personal and we never made to feel like we were anno…
Nicky Cornish


Laura was absolutely amazing and I know how difficult me and my situation where to deal with! Without her I would not have bought my first home! You can’t ask for a better mortgage broker, or person, to be guiding you through it!
Thank you Laura!!!!!
Laura Cates


Brett made the whole stressful process of buying out first home easy and we felt supported the whole way.
Brett Davies


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


Brett was a real pleasure to work with. Being first home buyers in New Zealand, Brett guided us through every step along the journey. Always available and very responsive, we couldn’t be happier.
Brett Davies


I really enjoyed having Roger as our advisor. I have spoken with many mortgage advisors, and I can very well tell that he is far more knowledgeable than anyone else. He was listening to our requirements and suggesting with the best options. This was for our land purchase to construct our first home. I w…
Roger Fairbairn


Brett has been fantastic. He’s knowledgeable and accomodating. There wasn’t anything I asked of him that he couldn’t work with and figure out some option for. I’ll never use anyone other than Brett again.
Brett Davies


Brett made it a streamlined process. We valued his expertise and guidance through the whole process.
Brett Davies


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


Johnny was exceptional throughout the process. I will definitely recommend his services.
Johnny Ang


Very helpful! Couldn’t have done it without her 🙂
Huriana Tahere


Brett was awesome in helping us navigate the mortgage process as first home buyers. He was patient and answered all of our questions and concerns.
Brett Davies


Cindy was brilliant! She got us a mortgage when I thought we wouldn’t have a chance because of our age!
Cindy Huang


Thank you for Brett’s assistance and patience with all my questions along the way.
Brett Davies


Thanks Lynne, all credit to you for keeping up with our ever-changing plans and grasping our preference for managing the paperwork online digitally which was so much more efficient and convenient for us during this hectic period. You were a pleasure to deal with.
Lynne Dent


She is excellent. She is very helpful.
Cindy Huang


Karen was amazing!!! We couldn’t have got anyone better so was just outstanding and we are so happy!
Karen Hyland


Much better outcome than what I expected. Very nice person with great knowledge and advises.
Johnny Ang


Great listener and communicator, safe hands with sensitive information and guidance and presenting of options is all you want when negotiating with Banks. Cannot thank Karen enough.
Karen Hyland


Cindy is very friendly and helpful to answer all of my questions so the whole process is very smooth and effective. She evaluated what the best of mortgage condition and the kind of property I should look for. I am so happy that I can buy the house so quick and hassle free. You can contact her and you w…
Cindy Huang


Huriana has been fantastic, no hesitation in recommending her.
Huriana Tahere


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


Keith was excellent to work with, especially in helping me to navigate through what could have been quite a stressful process as a first home buyer. Not all of it was straightforward, and his additional work was much appreciated.
Keith Munro


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


We were introduced to Johnny as our broker from a family member. Johnny has been there with us in every step of the way from sale to settlement. Every bump in the road Johnny was there to guide us through. He would always get right back to us, answered every question. Johnny is transparent and with us all the…
Johnny Ang


Johnny is an absolutely amazing adviser. He made our first home purchase a breeze, kept our stress at bay and was the one keeping us well & sane throughout the whirlwind of a process. We will always be true & loyal to Johnny, he is the greatest!
Johnny Ang


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


I was buying a house on my own and was very unsure of what the next steps were. Right from the beginning I was stepped through what I needed and who I had to call. When I was overwhelmed by the process and panicked that it wasn’t going to happen. Laura reassured me and supported me with the next s…
Laura Cates


Johnny Ang is quick and excellent.
Johnny Ang


Brett was so patient with the ongoing fiddly issues that I was having with the bank. He was so prompt to reply to my queries no matter how big or small. I really appreciated his expertise and support.
Brett Davies


Mr Johnny Ang was very reliable adviser with integrity and sound knowledge.
He made my first home buying experience as seamless as possible even though the settlement was delayed due to other factors.
Johnny Ang


Keith is always very professional, friendly, helpful and has excellent communication skills. I would highly recommend him.
Keith Munro


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


We are very happy with Johnny, he understand very well our needs, our ability and he also understand how the financial institution works therefore he is able to provide us some solutions.
Johnny Ang


Karen was very attentive, clear in her communications and followed up all our queries promptly and with a great smile. In short she was a pleasure to deal with.
Karen Hyland


From start to finish Karen Latimer was there every step of the way. It was challenging for her and for us, but we got there in the end.
Without Karen’s knowledgeable help we would not be where we are today.
Thank you so much from Diana, Nigel and Kimberly for all your hard work. We are so grateful for e…
Karen Latimer


Brett was fabulous to work with and hung in with me through lockdowns and doubting I would find anything. His advice was pragmatic and no nonsense just what I needed. Highly recommended.
Brett Davies


Huriana has been amazing throughout our whole process! From the minute we contacted her to ask for advice to the minute our build contract and section settled – she was there. Huriana was highly professional and helpful during what ended up being a long and complicated process. To be honest, we…
Huriana Tahere


Very much enjoyed working with Lynne, made the process less daunting, without Lynne I don’t believe I would have had the confidence to complete the home purchase as she was able to explain what the bank wanted in everyday English! Very impressed and will definitely be recommending Lynne.
…
Lynne Dent


I wanted to say thank you so much for your help and advice with regards to fixing my mortgage with BNZ last month. Using the app is definitely a great tool, so thank you for giving me guidance and the confidence to do this.
You are always knowledgeable and helpful and I very much appreciate your advic…
Samuel Eva


Brett was great to work with, very supportive and genuinely committed to helping me buy my house.
Brett Davies


Karen was great – very professional with her advice and always helpful and available to answer any questions we had.
Karen Latimer


Lynne did a brilliant job organising us into our first/down sizing home. We didn’t think we had things quite in place but non the less when a place popped up we were really interested in she was able to work her magic and we have now been in our own home for a couple of months.She was so knowledge…
Lynne Dent


We’re really happy with the end result.
Karen Hyland


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


Brett was awesome! Very thorough with his explanations, always available and going the extra mile. Loved dealing with him and he made the process very easy for someone who had never had the experience of buying property in NZ.
Brett Davies


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


Brett was very forthcoming and worked hard in getting our loan secured during a weird time with getting loans. He went above and beyond to make sure any oddities/confusion was sorted out in time for settlement date. Our accounts are quite complicated and we sure gave him a good workout but he succeeded …
Brett Davies


There’s been a huge list of things I’ve had to organise with the purchase of the land and letting of the house. It seems to be never ending- at the moment.
But the reason this is all happening is all thanks to your wonderful assistance- and under such a pressing time frame!
I so appreciate the effort you put in for me, you…
Nicky Cornish


Roger has been amazing thanks so much.
Roger Fairbairn


Karen was the ultimate professional offering great options and very helpful answering any questions I had. I would recommend this service to anyone either buying their first home or just looking at their choices.
Karen Hyland


Johnny was very helpful. He helped us secure a good rate with a great cash back and got us the products that we wanted. He is very approachable and always gets back to you no matter the time of day. He is also very professional and honest with his recommendations and answers to questions.
Johnny Ang


Laura Cates was amazing she worked with us to secure a construction loan and worked really hard to help us achieve our dream of home ownership Thank you.
Laura Cates


Laura is perfect! Smart, efficient, get to the point, proactive, no complicated docs and no emails going back and forth, just perfect!
Laura Cates


Keith has been so amazing. He has gone well above and beyond what we expected trying (and succeeding) every trick in the book to get our mortgage approved.
Keith Munro


It’s been a pleasure working with you and we have really valued your honest advice and fast responses. I know our situation wasn’t straightforward so we are extra appreciative of all your work you did to get this progressed this far.
Roger Fairbairn


Brett is great :-)!
Brett Davies


I recently had the pleasure of dealing with Keith Munro from Mortgage Lab in relation to purchasing a 10 acre block of land in Hawkes Bay. Keith was super efficient and friendly, which made the whole process much less stressful, it’s the first time using a mortgage broker and I couldn’t reco…
Keith Munro


Great service, very professional and very helpful. Laura was great very friendly and professional.
Laura Cates


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


Once again a very BIG thanks and as I mentioned several times during our talks. Legend. A delight to speak to. Hope all is well and all the best Laura. Laura went out of her way, beyond expectations to assist with success.
Laura Cates


…
Lynne Dent


Lynne was absolutely fantastic! She is simply the best mortgage advisor I have ever dealt with. Lynne worked really hard to help me, she worked really hard to help me achieve my goal. Lynne was the best broker I have ever dealt with. Thanks again Lynne!!
Lynne Dent


Laura made this process painless. We have some advantages in our favour but it was effortless from our end. Highly recommended.
Laura Cates


Johnny helped me with every step of my first home purchase. He’s very responsive and helpful. He patiently assisted me through the entire process. I found Johnny to be extremely knowledgeable and was very prompt on communication with the many queries I sent to him. Definitely saved me a lot of str…
Johnny Ang


Brett was wonderful and professional patient! Nothing to improve.
Brett Davies


Brett was amazing to deal with – our case wasn’t straightforward but he persevered and got it over the line. We’re so grateful for everything he did – we would absolutely recommend him.
Brett Davies


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


Laura was so amazing and understanding. Really helpful especially as all the work was done during level 4 lock down. I can’t recommend the service and experience highly enough.
Laura Cates


Lynne was amazing to work with. We were referred to Lynne by another Mortgage Lab team member who was no longer able to look after us and since we were moving to another area they chose Lynne to be the most suitable and she really was 🙂 Not only did Lynne always make the time to answer our questions …
Lynne Dent


Karen was amazing, super quick and helped us amazingly. She was also great at answering any stupid questions that we had and explained everything in an easy to understand way. She was amazing, going above and beyond what we had expected.
Karen Hyland


Two thumbs up for Johnny, his excellent service and hard work. I would 100% recommend Johnny to my friends and family without doubt.
Johnny Ang


Lynne was fantastic to work with and we are so glad we went with her as our advisor. The whole process was easier than I expected thanks to Lynne’s help. We would definitely recommend her to our friends and family.
Lynne Dent


Karen and I work in similar industries so I thought I had a pretty good idea about what I wanted to do with my mortgage. Her advice far exceeded my expectations, she was thorough, fast, saved me more money than I expected in multiple ways and will absolutely be using her again!
Karen Hyland


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


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


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


Johnny Ang was very helpful and outstanding. He went above and beyond our expectations, and gave us excellent deal on a mortgage, also make the process easy assisting step by step, given the current climate. Highly recommend to anyone.
Johnny Ang


Roger has been amazing on my journey to purchase a new home. Communication was fantastic, all my questions were answered, and Roger was always so friendly and a pleasure to work with. Without Roger’s help, I don’t think I could have achieved my goal of a new home, and I am so grateful to hav…
Roger Fairbairn


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


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


Roger guided us through the whole home buying process with his expertise for a great outcome. We started our mortgage journey together with Roger while we were in the UK and it ended in the smoothest in our own home.
Thanks heaps Roger.
Roger Fairbairn


Lynne was very easy to work with and got my mortgage sorted for me fast. I would highly recommend her.
Lynne Dent


Bryony was a pleasure to work with and went beyond our expectations. She was very friendly, knowledgeable and supportive. Bryony was amazing.
Bryony Tesar


We could not have asked for a better adviser than Brett. We would recommend Brett to anyone.
Brett Davies


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


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 g…
Lynne Dent


We bought a house in very difficult times like I’m sure a lot of people. The Mortgage Lab but especially Roger made this a seamless process. I could not think of anything they could have done better. I would never use anyone else when buying my next property. Highly recommend them. Roger did every…
Roger Fairbairn


Lynne was very helpful and her advice was brilliant.
Lynne Dent


Keith overcame some huge hurdles and in a couple of days had a mortgage sorted at a very good rate. Really pleased.
Keith Munro


We had the most awesome experience, we had been trying to buy a house for the entire 2020 and used a number of mortgage brokers but each asked more and more from us. They wanted us to cancel our KiwiSaver deposits and cancel this and that. We were about to give up when a friend told us about Lynne and w…
Lynne Dent


I am really happy working with Johnny Ang as he always ready to answer my question and understand my situation.
Johnny Ang


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


Lynne was recommended to me by a previous customer and for good reason, she was AMAZING and made the whole process of buying our first home so much easier! She went above and beyond! Would totally be recommending! Thanks Lynne!!
Lynne Dent


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


I very much recommend working with Karen from Mortgage Lab. She made the application process very much easier than it could have been. Her knowledge of the market is high.
Karen Latimer


Very experience & helpful. Always response to email, WA, phone very promptly. Very happy with his professionalism.
Johnny Ang


Lynne is the best! She helped us a lot. Always answer our questions. Thank You Lynne
Lynne Dent


Lynne was phenomenal, and a real asset to your team. Nothing was ever a problem, she responded quickly and was genuine in her efforts to help us buy a home, even with our fairly complex income arrangements. She’s a star.
Lynne Dent


Lynne was great to deal with and always available to answer any questions we had. Lynne made the process easy. Thanks Lynne!
Lynne Dent


Big thank you, everything went smooth, easy, professional.
Nicky Cornish


Keith is fantastic. I’ve purchased and sold a number of properties now and Keith and his team are the first people we call (as does all my family now!). Not only does he know his stuff he can often find different ways to help you achieve the goals you want, and save you money. If you’re look…
Keith Munro


Laura was such a lovely person. Not only did she do an excellent job, she really cares about her clients. She made the process so easy. She also recommended a KiwiSaver adviser as well. I think everyone should use a mortgage advisor and Laura is highly recommended by me.
Laura Cates
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.