Already own your home? We make sure your mortgage is working for you

Check You Have the Best Mortgage?

Already Own and Want to

Talk to a Mortgage Broker

Already own your own home? We could save you thousands of dollars on your mortgage.

It’s amazing how a small tweak can save you thousands, or even tens of thousands, of dollars over the term of your mortgage.

When you first purchased you may have been forced to go with a particular bank. Maybe your income has changed or you’ve had a baby. Or you’re dreaming of using some of the equity in your house to do some renovations.

Whatever your situation, now you’re a couple of years on, it’s time to reassess.

Some questions to ask yourself:

  • Are you happy with the bank you are with?
  • Do they offer all the mortgage products you need to pay down your mortgage quickly?
  • Have you reviewed your mortgage in the last 2 years?

That’s where we come in.

We will:

  • Assess your current structure and situation
  • Consider what the other banks provide
  • Provide specific advice on the best mortgage structure and bank for you
  • Manage any changes to your mortgage as a result of the review.

If you’re looking to refix your current mortgage we can help you negotiate the best deal with your bank. Click here for more information.

Talk to an adviser today.

Our mortgage brokers can help you…

  • Save money on interest rates
  • Find the best bank for you
  • Pay your mortgage down more quickly
  • Upgrade your home

and much more!

Not sure whether now’s the right time?

Even if you’ve got fixed mortgage rates, we can review your mortgage at no cost and see whether a complete change is right for you.  There’s no cost and no contracts.  If we help you into a better financial position, we’re paid by the banks.


Almost all Mortgage Lab services are at no direct cost to you as our brokers get paid a commission by the banks and other lenders when a mortgage is finalised or refixed.

The exceptions to this:

  • If a mortgage is paid off or discharged within 27 months, a fee may be incurred.  See our FAQ: What if I sell my home or refinance my mortgage shortly after using a mortgage broker?
  • Finance companies may require a fee to be added to the loan rather than paying us a commission. You’ll always be made aware of these fees long before they are locked in.
  • If, following the service provided by the adviser, you elect not to continue engaging Mortgage Lab to settle the mortgage or finalise the insurance product, the adviser may charge you an hourly rate of $250 for the work provided.  The maximum charge we will invoice for is $2,500.

The commissions paid are below.  These commissions are accurate at the time of writing – 15th March 2021

Lender Upfront Trail Refix
ANZ 0.85% N/a $150
BNZ 0.55% 0.15% N/a
ASB 0.85% N/a $150
Westpac 0.60% 0.20% N /a
Sovereign Home Loans 0.60% 0.20% N/a
ASAP Finance Limited Fee Charged N/a N/a
Avanti Finance Up to 0.80% N/a N/a
BlueStone 0.90% + 0.30% (after 18 & 24 months) N/a N/a
Cressida Fee Charged N/a N/a
DBR Fee Charged N/a N/a
First Mortgage Trust Fee Charged N/a N/a
Heartland Bank (Reverse Mortgage) 1.50% N/a N/a
Liberty Financial 0.60% 0.15% N/a
NZCU (Personal Loans) 1.00% N/a N/a
RESIMAC 0.60% 0.15% N/a
SBS Bank 0.80% N/a $150
Southern Cross Fee Charged N/a N/a
The Co-operative Bank 0.70% N/A $150


From time to time we may receive additional referral payments from our business partners.  Some advisers may receive payments for referring mortgages, Life and Health insurance, KiwiSaver, currency exchange or Fire and General insurance.  Mortgage Lab and the advisers do a significant amount of due diligence to make sure that all referrals are to companies of the highest quality and compliance standards.  The decision to refer to a partnering business is based on quality service first and the payment received second.

This is called bridging finance. It can get a little expensive but is possible if you have enough equity in your current home. Generally, if the total of your current mortgage + the new purchase = less than 80% of both properties it is achievable. You would need to commit to selling your current property within 6 months.

The first step to upgrading your home is to know what is financially possible. There is no cost when consulting a Mortgage Lab broker so we recommend talking to an adviser early to see what is possible for your financial situation.

What Past Clients Say…

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

Johnny Ang

Top Up - J Sugiarto, Auckland

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

Refinance - E Mangampat, Auckland

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

New Build - C Bain, Auckland

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

Huriana has been fantastic, no hesitation in recommending her.

Huriana Tahere

Refinance - D Ackley, Christchurch

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

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

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

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

Laura Cates

Debt Consolidation - R Farrell, Northland

Awesome work both times we have worked with Sam.

Samuel Eva

Refinance - J Stockley, Auckland

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

Purchase of New Home

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

New Purchase

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

Purchase of New Home

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

Purchase of New Home

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

Brett Davies

Purchase of New Home

Keith did a great job overall.

Keith Munro

Purchase of New Home

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

Karen Hyland

Mortgage Purchase

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

Top Up - Auckland

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

Brett Davies

New House Purchase - Tauranga

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

Keith Munro

Top Up - Wellington

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

Brett Davies

Purchase of New Home From Overseas

I was stuck trying to refinance my mortgage. Samuel sorted everything in a professional calm way and followed up at all stages.

Samuel Eva

Refinance of Existing Mortgage - Auckland

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

Brett Davies

Newly Constructed Property in Auckland

We’re really happy with the end result.

Karen Hyland

New House Purchase - Auckland

Quick response and helpful.

Johnny Ang

New Home Purchase - Auckland

Robyn was very thorough and easy to work with. We are happy with the result and look forward to moving into our new home.01

Robyn Turner

Newly Constructed Property in Tauranga

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

Keith Munro

Top Up on Existing Mortgage - Wellington

Robyn brings such professionalism to her dealings. It is good to feel confident that my finances are being managed appropriately.

Robyn Turner

Mortgage - Tauranga

Robyn helped us get our application submitted in record time as we were under a very tight time line. Very happy!

Robyn Turner

Mortgage - Tauranga

Robyn has been very committed to helping us achieve what we are wanting to do and doesn’t give up when obstacles have risen.

Robyn Turner

Mortgage - Tauranga

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

Keith Munro

Mortgage - Wellington

Thank you so much for all your help and kindness Robyn, you’re the best! I can’t thank you enough.

Robyn Turner

Mortgage - Tauranga

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

Brett Davies

Mortgage for New Purchase - Auckland

I will recommend Robyn to everyone I know. She was super professional and helpful every step of the way.

Robyn Turner

Mortgage Restructure - Tauranga

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

Mortgage Tool

Want to Make a Loan Comparison?

Use our calculator below to compare two loans together by changing interest rates, structure types and more.

In This Book You’ll Learn:

The Investment basics every property investor needs to know

How to easily calculate the most important numbers in your head

Who you need in your investment team

What you’ll need to get a mortgage

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.