First home buyers, we can help turn your dream into reality
Buying your first home is exciting, the prospect of a place that is truely your own.
Your head fills with thoughts of where and what to buy. You spend hours scrolling through property listings, going to open homes and discussing (sometimes arguing over) the pros and cons with loved ones.
With all that, having to then navigate the finance process can turn an exciting time into a stressful one. It’s a big job to get your head around the different banks’ lending criteria; criteria that can change at any time. What one bank may approve, another may decline.
That’s where we come in.
We manage the finance process for you. We navigate the various banks and lenders and negotiate the best possible terms on your behalf. Keeping you informed and involved every step of the way, we minimise your stress and save you time.
We do not charge you for any of our services. Whether you need some initial advice or are ready to go through the application process it will not cost you anything.
Realise your dreams without the stress, contact us today!
Our mortgage brokers can help you…
- Calculate affordability
- Find the best bank for you
- Give you step-by-step guidance
- Help you get up to 95% LVR
- Get KiwiBuild pre-approval
Not sure whether now’s the right time?
It’s never too soon to start preparing for your first mortgage.
Talking to one of our mortgage brokers will clarify your situation for you. You may be ready to buy sooner than you think.
In many cases, it’s just a matter of rethinking your strategy to be in line with the bank’s lending policy. Or perhaps you qualify for a Home Grant or are eligible to access your Kiwi Saver.
Now is always the best time to get all your ducks in a row. Contact us for a consultation today.
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 a HomeStart Grant. Our article tells you everything you need to know about these options. The use of your KiwiSaver increases your deposit, which can make borrowing significantly easier and cheaper.
Remember, we’re here to help: for all questions contact your local mortgage broker directly. A quick conversation will give you immediate answers, at no cost.
FAQs
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 typically invoice for is $3,000.
The commissions paid are below. These commissions are accurate at the time of writing – 12/09/2024
Lender | Upfront | Trail | Refix |
ANZ | 0.85% | N/a | $150 |
ASB | 0.85% | N/a | $150 |
Bank of China | 0.88% | N/a | $150 |
BNZ | 0.55% | 0.15% | N/a |
Go Home Loans (AIA) | 0.60% | 0.20% | N/a |
KiwiBank | 0.55% | 0.15% | N/a |
SBS Bank | 0.75%-0.85% | N/a | $150 |
The Co-operative Bank | 0.85% | N/a | $150 |
TSB | 0.85% | N/a | N/a |
Westpac | 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 |
Basecorp | Fee Charged | N/a | N/a |
China Construction Bank | 0.88% | 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 |
Liberty Financial | 0.6%-0.8% | 0.15% | N/a |
Pepper Money | 0.6%-0.75 | 0.15%-0.2% | N/a |
Plus Finance | Fee Charged | N/a | N/a |
Southern Cross | Fee Charged | N/a | N/a |
Unity | 0.7%-0.8% | N/a | N/a |
The banks all have different policies and risk tolerances. Buyers can get frustrated and waste a lot of time going to banks that won’t suit their needs.
Using a mortgage broker gives you a view of all the banks and their policies. It means you find the right bank faster and with less stress. With a mortgage broker, getting a mortgage isn’t complicated. It’s about proving you have enough deposit and enough income and then heading to the right bank with that information.
Some tips to making your mortgage application easier: get your documentation sorted early and keep your spending as low as possible in the 3 months leading up to your application.
If you’d like to learn the basics, we have a course which teaches you everything you need to know about buying your first home. You can find out more here.
The First Home Grant is a Kainga Ora cash grant designed to help lower-income purchasers buy lower-priced houses. There is a maximum amount of income that you can earn and a maximum purchase price that you can pay to be eligible for the grant. Here’s an article that we wrote on the First Home Grant.
You will want to apply for the grant early as it takes time to process.
You absolutely can! That’s what it is meant for. One thing to know is that you will usually need to have saved at least 5% of the purchase price on your own and the First Home Grant doesn’t count towards this goal.
Using a mortgage broker generally means no direct costs to you but there will be a couple of unavoidable costs there. These may include:
- A Registered Valuation ($800 – $1,200)
- Solicitor Costs ($800 – $1,500)
- LIM report ($150 – $400)
- Builder’s Report ($100 – $500)
- Weather Tightness Report for Monoclad houses ($300 – $1,000)
- Finance fee for non-bank lending (~1%)
Prices can vary. Always request a quote before ordering a report. For a list of property professionals that you’ll likely work with, see our article here.
The banks typically try for 5 working days. The timer starts when we receive all the required documentation and submit your application. Sometimes turnaround can be as low as 2 days or sometimes it can be slightly longer. If your application is urgent (required in less than 10 working days), let us know as soon as possible and we will mark it as urgent.
It’s important to get us all the documents before we can submit the application. This includes proof of income (payslips or year-end financials) ana bank statements (click here to learn how to correctly export your bank statements).
As above, sometimes a bank just isn’t looking for you as a client. In this instance, they can either decline you or make the terms of your lending so ridiculous that you either accept (sucker!) or you go away. We know what banks have an appetite for and send you to the right bank without you shopping around banks.
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
What Past Clients Say…
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
Somesh Awasthi was exceptionally professional and impressive in his work. I particularly appreciated his promptness; he responded quickly to any questions I had, even though I was in Wellington, and he was guiding me through Auckland. It never felt like he was far away. He was consistently swift in ...
Somesh Awasthi
Now I own my own home! Thanks to Roger the process was really straightforward. He was there every step of the way and the first person to congratulate me on settlement day! Roger listened to my specific needs and therefore gave me advice based on this, which means moving forward I have heaps of opti...
Roger Fairbairn
As a fist home buyer, it was quite daunting and I had no idea what to do. However, Jocelynnda made the process quick and easy she was very enthusiastic, took care of everything for me, provided very informative explanations, and guided me from start to finish. Buying my first home would not have bee...
Josie Coronado
Working with Christiana at Mortgagelab was an absolute pleasure. As first-time homebuyers, we were navigating unfamiliar territory, and Christiana’s guidance and expertise made the process smooth and stress-free. She patiently explained complex market and banking terminology, ensuring we were well-in...
Christiana Pollock
This milestone is one we have dreamed of for years & it would not have been possible without Ro’s expertise, patience and unwavering support. She took time to explain, provide transparency & was dedicated. We had someone on our team who truly cared. Ro was such an integral part of this life changing ex...
Ro Graveston
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 ...
Karen Latimer
We’ve worked with Roger for almost one year, and he was amazing during the whole difficult process… I guess sometimes he even worked as therapist, calming us down and giving us good insights every step (thank you for not charging this!)
Roger helped us to secure our house and was magnificent at detail...
Roger Fairbairn
We were first time buyers who didn’t know much about the process. Going in blind, we really needed someone who would take the time to talk everything through. We also had a few unique aspects to our situation which needed to be worked through. Roger was incredibly patient and helped us to smoothly pr...
Roger Fairbairn
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
Roger was fantastic to work with. He is very knowledgeable, thorough, and patient. His communication was prompt and he went the extra mile to answer our questions. We would highly recommend his services.
Roger Fairbairn
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
Ro has gone above and beyond for us, making our home buying process so easy. She lays out facts which makes things real, no beating around the bush. She is very trustworthy and is just a phone call away. I am so glad that she was our MA!
Ro Graveston
Nicola has been absolutely fantastic in guiding us through the process of buying our first home. When our previous mortgage advisor left, she seamlessly stepped in and devoted herself to understanding our needs. Her advice was excellent, making the whole process smooth sailing, even with the added c...
Nicola Winters
Roger is amazing! He is very supportive, straightforward and made the home loan process easy. He is magnificent in his profession. Roger is a highly recommended mortgage broker. He made our dream come true. Thank you very much Roger. You are awesome!
Roger Fairbairn
Nicola was very patient with me- being a First Home Buyer. She communicated well on a regular basis & made sure everything went through to the Bank as needed. Would definitely recommend her.
Nicola Winters
I was searching for a mortgage broker when a friend recommended Serina. From the moment I contacted her, she impressed me with her professionalism, organization, and patience. Whether I bombarded her with questions over the phone or through email, she responded to each one comprehensively, which gre...
Serina Nicholson
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
Found Michael amazing to deal with, helped us get the financial side of our life sorted, after the bank I had been with for 25 years wasn’t interested in letting us keep our existing mortgage but move to a bigger place due to our business only being 18 mths old, Michael managed to turn what I thought...
Michael Shrubsall
Roger had great communication and made things as easy as he could for us, we really appreciate everything from Roger.
Roger Fairbairn
Johnny is a legend! He is efficient, knowledgeable and professional. Always available to answer any questions and concerns. Thank you so much for making our first home journey a positive and less scary experience. Highly recommend 🙂
Johnny Ang
Lynne is the best! She helped us a lot. Always answer our questions. Thank You Lynne
Lynne Dent
Lynne was highly recommended by close friends and truly lived up to the praise. Her communication is fantastic, and she is very approachable. As first-time home buyers, her transparency and professionalism were invaluable. Lynne guided us through the process, and within two months, Fiona and I settl...
Lynne Dent
Cindy Huang provided perfect customer service. She helped us to go through options to achieve a positive and timely outcome. I am incredibly grateful to her for assisting me and my partner to purchase our first home. Cindy provided comprehensive guidance and helped me to navigate the complexities of...
Cindy Huang
Serina was an incredible help from start to finish. Always able to answer our questions quickly and clearly. Made the process so stress free and everything went smoothly. Thanks Serina!
Serina Nicholson
We recently had the pleasure of working with Serina to secure our first home, and we couldn’t be happier with the experience. From the very beginning, she was incredibly knowledgeable, patient, and supportive. She took the time to explain every step of the process, ensuring we felt confident and info...
Serina Nicholson
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
Serina helped us get a mortgage even though we thought we couldn’t get one she made the whole process really easy, she was always just a phone call away and would call us back straight away, I love that now we have our mortgage Serina is still going to be advising us on other things thank you Serina ...
Serina Nicholson
Lynne was amazing through the whole process, as first home buyers we didn’t have a lot of knowledge of what to do and when to do it, Lynne helped make the process seem so much more less stressful.Lynne was so patient with us as, it took over six months many phone calls and emails back and forth to f...
Lynne Dent
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
Serina was amazing! It was my first time purchasing a home and she walked me through every step and kept me updated the whole way. She made the whole process so much easier, and I highly recommend her to anyone needing a assistance with getting a mortgage.
Serina Nicholson
Very lucky to get cindy’s service, professional and efficient, super recommendation.
Cindy Huang
Highly recommend Cindy Huang, professional, knowledgeable of first home loans, and patient. She’s made the whole process very smooth and straightforward. Have recommended her to our friends for future business already.
Cindy Huang
Cindy is awesome, very helpful and supportive.
Cindy Huang
Ro was awsome from the get go. She made what seemed like the imposible possible and i will always be indebted to her for that.
Ro Graveston
Serina was great from the initial phone call to the day I moved into my new house. She put me on the right track to buying my first home, kept in touch along the journey until I was in the right position to buy.
She recommended contacts and gave me advise above and beyond what is in her job descript...
Serina Nicholson
Very impressed! She answered all my questions promptly and politely, making everything very easy to understand. I was especially impressed with the speed of her work. Overall, she provided excellent service, and I am truly grateful. I would definitely like to work with her again in the future.
Serina Nicholson
Dustin helped me get my mortgage for my first house, he was super knowledgeable and helpful for all the questions I threw at him. He followed up regularly to keep me in the loop with how things were tracking which was great reassurance to know I wasn’t missing anything. He took out all the hassle of ...
Dustin Lindale
Susan was awesome. Very helpful and answering along the way. Joyful to work with. Highly recommend her. All the best.
Susan Wu
I liked that Dustin wasn’t afraid to tell us how it is – that if we didn’t get strict on our budget, we are not likely to get approval. This helped us to budget more and structure finances to allow us to get approval from the bank.
Dustin Lindale
Laura was so easy to understand exceptionally great at her job always there to help and so optimistic she has helped change my life not only myself but my partner and children.
Laura Cates
Very happy with the professional service provided by Cindy, high recommend!!
Cindy Huang
Somesh was awesome and very helpful. Just keep this up the way you are.
Somesh Awasthi
Christiana was indispensable in me purchasing my house. Her knowledge, experience and willingness to help made what could have been a very stressful time far far easier than I was expecting.
She was only ever a phone call away to answer questions or explain my options to me in what is quick a tricky...
Christiana Pollock
Brett was wonderful and professional patient! Nothing to improve.
Brett Davies
We were so lucky to have Serina on our side. She made this experience so much better with her smiley, positive outlook. We faced some challenges but she helped us every step of the way and we couldn’t be more grateful. If you are looking for someone super friendly and extremely helpful then Serina I ...
Serina Nicholson
Nicola was handed over our portfolio after the previous advisor, Karen Hyland left.
We believe it was a good start by Nicola as she ascertained all the details we had provided to Karen was still relevant and valid . This includes combing thro a lot of previous documentation and asking questions/ cla...
Nicola Winters
Somesh really helped us understand the process, thank you so much!
Somesh Awasthi
Dustin was great to work with! We originally reached out to Dustin to see if it was possible to buy our first home, 6 months later we moved in!
We have also started passing on Dustin’s information to friends and family for their financial needs because of our great experience. This was our first inte...
Dustin Lindale
She was really good, excellent support good knowledge of what she is doing. Very quickly to respond.
Susan Wu
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
Roger has changed my life. I had previously approached 2 other mortgage brokers from other companies, with neither understanding complex financial/legal situation I was in due to being involved in trust. Roger was going to be the last person I contacted before giving up the house hunt, but I’m so gla...
Roger Fairbairn
Karen was extremely helpful and made us feel like no question was too silly, which we really appreciated as first home buyers! She was very attentive and kept us informed during the entire process. I am really pleased with our outcome and highly recommend her services.
Karen Latimer
Christiana has been an amazing MA to buy our first home, she knew exactly what our situation was and did everything to make our journey smooth. We are in Christchurch and she was based on Auckland, but she was only one call/text away- always replying my answers/doubts anytime of the day. Recommendin...
Christiana Pollock
Roger was a well informed, patient and quick communicator. We really appreciated his calm approach to sticky situations especially on the days when we needed it the most. There were times when he went above and beyond to make things happen quickly and he was always good at checking in with us along...
Roger Fairbairn
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
Couldn’t rate Ro highly enough! We came to her wanting to create a six month plan to buy in the city we were living in then a few weeks later decided to move 7 hours away and put a live deal in place. Ro handled all the twists we threw her way with ease. She’s so personable and it felt great to have...
Ro Graveston
Ro is an absolute superstar! She made a daunting process feel like a smooth ride, was highly knowledgeable in all aspects of finance and was extremely passionate about her work. She hustled to get us ready for auction in a very small time frame, working late into the night, and thanks to her we are ...
Ro Graveston
Ro was excellent. Helpful, knowledgefull and really patient. As first time buyers she did put us at easy and made the whole process stress free.
Ro Graveston
He was great heaps of help awesome. Thank you very much was awesome.
Roger Fairbairn
We approached Dustin after watching a webinar he arranged.
At the start he arranged a meet and greet to get to know us better and clearly explained the process.
He made us feel comfortable and safe and answered any questions we had, not only at the beginning but right throughout the process.
If you ...
Dustin Lindale
Cindy is a specialized patient and perfect broker, she gave us a lots of useful advice until we got the house. Really appreciate about that. Strongly recommend to my friend who is need to a broker in future.
Cindy Huang
From the moment we met Karen, she was able to provide us with all the advice we needed. Any questions we had were explained in ways that were easy to understand and we didn’t feel overwhelmed by the process at any point. Karen was great with communicating to us and helped to ensure that everything w...
Karen Latimer
No, Serina was great and couldn’t have asked for more. From the first time I met her till this day she has gone above and beyond to help me out. She made everything so possible and easy and always had a positive outcome on everything. Nothing was impossible and she always found a way to make things h...
Serina Nicholson
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 stress...
Johnny Ang
We’re so excited to have bought our first home. After missing out on 3 other homes we are rapt to find this one as it’s everything we could have dreamed of. We couldn’t have got here without the help of Lynne. Lynne made our home-buying experience incredibly smooth and stress-free. Not only did she ...
Lynne Dent
Ro was ABSOLUTELY INCREDIBLE! Totally personable, remembered all the little details about us and our family and literally was available to us 24/7 (well it felt that way anyway!). I felt like we were her only clients because the minute I reached out she was available. I was actually shocked to find ...
Ro Graveston
Nicola made purchasing my first home easy and not at all scary. Right from our first interaction she was pleasant, friendly but also very efficient.
She was confident right from the start I would be approved and provided useful tips along the journey. We were in constant contact with Nicola updating...
Nicola Winters
Great morgage/ financial advisor! Somesh Awasthi has been assisting us from day one in our house buying journey. Knowledgable and providing clear guidance from the start, approachable and always willing to answer any questions we have. Easy to deal with and highly professional. We 100% recommend So...
Somesh Awasthi
Highly recommend Christiana for any and all first home buyers, she has a wealth of knowledge and expertise and is a safe set of hands to handle your first mortgage and home loan. Thank you for all your help!
Christiana Pollock
I couldn’t be happier! Christiana helped my Partner and I through all of the loopholes! From start to finish and every little question we had, she was there to help! Can’t recommend her enough!
Christiana Pollock
Lynne has been amazing with helping us secure our first home. Excellent advice and pulls off miracles in such a short time frame. Highly recommend Lynne!
Lynne Dent
Cindy, who’s a very professional and very kindly to the client. I am very Lucky choose her to be my adviser.
Thank you so much for your support Cindy.
Cindy Huang
I truly believe if it had not been for Ro and her awesome work ethic we wouldn’t of got our first home, she gave great advice and was available at all hours of the day for us. I would recommend Ro to anyone looking at getting into their first home. We will definitely be using her if we have any other...
Ro Graveston
Roger was fantastic to work with and played a key role in helping us secure financing for our first home. As first-time buyers, we had a lot to learn, and Roger was always available to answer our questions. He provided practical advice, responded promptly, and made the entire process much easier. He...
Roger Fairbairn
Excellent experience working with Nicola to help me buy my first home!
Nicola Winters
Dustin was great to deal with and very quick with responses as best he could.
Dustin Lindale
Roger was honestly the absolute best!
I was looking for the right house for well over a year and Roger was such a gem. My situation changed during that time through changing jobs and also what I was looking for, but Roger was always patient, helpful and made everything work perfectly.
Having Roger’s ...
Roger Fairbairn
Matthew made our first home buying process a breeze. He listened and gave well informed information to support us by getting our finances sorted and having a plan with us. He was always very communicative and went above and beyond when dealing with us. He also had a great network referral that put o...
Matthew Grace
Michael is very knowledgeable and provided us tailored guidance that we greatly appreciate. He made the entire journey from the thought of buying our home to executing the purchase very smooth and cannot recommend him enough!
Thank you Michael 🙂
Michael Shrubsall
Dustin was very helpful and diligent. He was able to share his knowledge and help us understand what we needed to do to get into our first home. I would recommend Dustin to anyone .
Dustin Lindale
A few years ago, I had gone through the process of trying to purchase a first home – and knew how daunting it was.
When I found a house and had my offer accepted, I was given Serina’s details and went from there, I’m so glad I did.
Serina was amazing to deal with!!
She did all the hard work and made th...
Serina Nicholson
I found Dustin as my Mortgage Adviser to be patient, personable, and very knowledgeable. He gave excellent advice and went above-and-beyond, especially in his responsiveness during critical times. I highly recommend him. Thank you Dustin!
Dustin Lindale
Susan is very helpful and professional.I had a fantastic experience working with my mortgage broker Susan Wu. Her expertise and dedication made the mortgage process smooth and stress-free. She went above and beyond to find the best rates and options for my unique situation. I truly appreciate her pr...
Susan Wu
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
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
Christiana has been such an amazing help with buying our first home. She’s quick to respond, made us feel comfortable about asking silly questions and is really knowledgeable about the process. She also sets all the info out in her emails in a clear and succinct way which is so appreciated. Have no ...
Christiana Pollock
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
Serina was amazing from our initial contact right through to our house purchase. As first home buyers, we were new to the process and had many questions throughout. Serina was always available for support and was amazing at organising our application. 10/10, thank you Serina.
Serina Nicholson
Nicola was nothing short of amazing!!!She was professional and a pleasure to deal with. Her communication was awesome, she kept us updated every step of the way and was very patient with us as first home buyers we had a lot of questions! I could email/text her any time of the day/night and she would...
Nicola Winters
Christiana is amazing and one of the best people I’ve worked with and I cannot recommend her enough for anyone looking for a highly professional, knowledgeable, patient and genuine mortgage advisor who is a great communicator and always willing to help. Throughout my home buying journey Christiana h...
Christiana Pollock
Helpful , supportive and easy to talk to. Cheers Laura
Laura Cates
We recently worked with Ro and I can’t recommend her enough! From start to finish, she made the mortgage process seamless and stress-free. Her knowledge of the market is impressive and the speed of her work was fantastic.
What truly sets Ro apart is her ability to explain complex concepts in a way t...
Ro Graveston
Johnny maintained a professional, yet warm attitude throughout the whole process. All questions were answered promptly, and succinctly.
He really made the whole mortgage process smoother, allowing us to focus on the house hunting aspect. I would recommend Johnny to anyone and everyone. No mess, and ...
Johnny Ang
Serina Nicholson was absolutely amazing she went above and beyond for me, I would definitely recommend her to anyone she is the best person in the business 🙂
Serina Nicholson
Serina guided us seamlessly through the process of buying our first home, offering invaluable insights and ensuring we understood every step. Serina is a reliable and knowledgeable professional when it comes to mortgage advice. We are immensely grateful for her guidance and couldn’t be more happy wi...
Serina Nicholson
Nicola was very helpful, and nice to us throughout the entire process. All of the meeting worked perfectly with our schedules. Nicola provided plenty of advice for us on almost any questions we threw at her and made buying our first home a lot better than we had anticipated.
I have already recommend...
Nicola Winters
We have approached many companies for our loan for First Home but Susan made it happen so that we were able to achieve getting loan and buying first home. She is very clear and communicative. Highly recommend Susan.
Susan Wu
Roger was absolutely incredible to work with. He was easy to communicate with, answered all questions, made us feel at ease with all decisions. Kept us up to date every step of the way and worked really hard to get us into a good position to owning our first home. I have already been recommending hi...
Roger Fairbairn
From the very first contact with Laura she was easy to talk to, kept things simple and professional. Laura was available to us all hours of the day and night with any questions or concerns we had. Emails and phone calls were regular and supportive. We are grateful to Laura for her expertise and rela...
Laura Cates
My wife and I would like to say thank you to Johnny for his excellent service. He has a broad knowledge and provided us with good options and clear information which really helps us with the decision making. He handled all our enquires professionally, accurate and with kindness. We were glad to have...
Johnny Ang
Lynne was excellent to deal with, very friendly and very knowledgeable. I would recommend her service.
Lynne Dent
Dustin has been fantastic in educating us and suggesting options to finance our first home. Greenhorns like us wouldn’t have made it to securing a loan if not for Dustin. We are happy to secure Dustin’s advice over a long term as we feel Dustin is well aware of our financial commitments and has our be...
Dustin Lindale
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
We had dealt with many other advisers in the past who we felt just wasn’t a fit for us, or either ghosted us as we were in the too hard bucket. Grateful I pondered over Somesh in the Kiwi FHB comments section he was just what we needed. Easy to work with, able to explain everything for us, and avail...
Somesh Awasthi
Great communication, really kept me in the loop as a first home buyer.
Laura Cates
Josie is very easy to talk to and prompt in her responses. She is very dedicated in helping people.
Josie Coronado
Serina was absolutely amazing, she made us feel empowered to make big decisions as she was so knowledgeable and experienced within her field. She was easy to communicate with and was so friendly. We now have a beautiful home that we adore, it’s all thanks to her! We would highly recommend her to any...
Serina Nicholson
Amazing experience working with Christiana for buying our first home. She had great communication with us, was super efficient. Christiana made the process of buying our first home so much easier as we had no clue where to start. She locked in some great interest rates for us and a good cash back de...
Christiana Pollock
Laura was always available to discuss all questions I had. She made the information easy to understand. She connected us to the supporting agencies we needed to get our mortgage finalized and secured.
Laura Cates
Ro was an awesome advisor, really made the whole process seem so much more manageable. Ro was incredibly knowledgeable, patient, and attentive throughout the entire process. Her professionalism and kindness truly made a difference. Myself and my partner highly recommend this advisor to anyone in nee...
Ro Graveston
Matthew Grace wasn’t just a mortgage broker…o no! Add “Peace of Mind Merchant”. On the myriad of hurdles to jump not related to mortgage broking AND the stress, he was an absolute rock of knowledge, guidance and counsel in the storm that was our house buying experience! Empathetic, calm, professiona...
Matthew Grace
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...
Lynne Dent
Thanks Ro for helping us achieve this goal/dream of ours!! We weren’t even looking for a house but when we saw this house we jumped straight into Ro who fast tracked our application, we put an offer on the house before pre-approval and anxiously waited to hear from the bank (which felt like an etern...
Ro Graveston
Me and my partner were extremely satisfied with the service provided by Michael.
His expertise, attention to detail, and promptness made the entire home loan process seamless and stress-free.
I would highly recommend in working with Michael.
Michael Shrubsall
I approached Christiana earlier this year for advise around purchasing my first home. Although I was not yet in a position to do so Christiana formulated a plan to get me there which I am now following and hopeful to buy in the new year. When the time comes I will definitely look to work with Christ...
Christiana Pollock
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 y...
Cindy Huang
Cindy is really kind and professional, according to our situation she gave us so professional advice, thank you so much, and I will go to Cindy next time.
Cindy Huang
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
The three most important characteristics that describe our engagement with Somesh’s advisory process are his empathy, personable nature, and high professionalism. From our very first conversation, he understood and connected with our needs, keeping us hopeful throughout the entire financial approval ...
Somesh Awasthi
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
It was lovely working with Cindy, she made the whole process so easy. My partner and I are happily in our first home and we’re so grateful that we had a mortgage advisor who was helpful and there with us throughout the journey. Thank you Cindy!
Cindy Huang
We are so grateful to have Nicola as our mortgage advisor who has been so kind, professional, helpful and flexible to walk us through every step of getting our first home.
Nicola Winters
We had an incredible experience working with Roger on our journey to securing our first home. From our first meeting he instantly made us feel at ease. His expertise and knowledge in the mortgage industry were truly impressive.
He patiently guided us through the entire process, explaining every step...
Roger Fairbairn
Somesh was truly amazing — one of the most helpful professionals I’ve ever dealt with. He went way above and beyond my expectations and made the whole process a lot smoother. You can trust Somesh!
Somesh Awasthi
Many thanks to Christiana for all the help along the journey. She is professional and supportive. She provides detailed explanation and helpful advice during the entire loan process, so that I am clear about each step and what to do next. Also, I am grateful for her help regarding follow ups and neg...
Christiana Pollock
Dustin delivered excellent and professional service, informed strategy and advice in our first home-buying sessions with him – throughout the entire process from pre-purchase to post-purchase. He laid out any potential hurdles and considerations that one may encounter and how to navigate these issue...
Dustin Lindale
Serina got us into our first home at 22 years old when we did not even think that was possible for the next 10 years. She fought for us like no one else would have, and had our backs the whole way. Amazing communication throughout everything and was always available for whatever silly or minor quest...
Serina Nicholson
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....
Roger Fairbairn
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
Josie is always supportive to us. She answered our inquiries and assisted us on how to get the right deal on mortgage market. Will definitely recommend her to my friends who will look for a house in future.
Josie Coronado
Nicola was exceptional. We had other mortgage broker contacts but it was just fortunate that Nicola in her proactive nature reached out to us in a timely manner and so we decided to go with her. Nicola was calm, friendly, positive and her communication skills and attention and care were outstanding....
Nicola Winters
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
Ro was recommended to us off of a post on a Facebook group, from first contact we got along really well, she’s personable, knowledgeable and reliable. My Fiancé and I didn’t think we’d be able to get a mortgage just yet as we have a bit of debt, but Ro made us believe, and delivered way above our ex...
Ro Graveston
Serina was easy to work with, particularly regarding our time poor and geographically different circumstances. She often needed to conduct duplicate meetings for myself and husband at different times. All whilst liaising with the bank on our behalf to ensure their understanding of our position. Ngā ...
Serina Nicholson
Genuinely loved working with Karen. She is extremely friendly, efficient and so helpful. The process couldn’t have been easier. Would definitely recommend Karen to all first home buyers.
Karen Latimer
Somesh was outstanding, he explained everything in detail and made the mortgage loan process so easy for us , very approachable, definitely recommending to chose him if needed help , Thanks Somesh
Somesh Awasthi
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 knowledgeabl...
Lynne Dent
My husband and I still can’t believe we own our own home. Without Michael’s guidance and hard work we wouldn’t be where we are now. He went the extra mile and put in many many hours getting it all over the line. When we didn’t think it would work out he assured us it would and encouraged us to keep ...
Michael Shrubsall
Ro went above and beyond to help us achieve our dream of owning our first home. Her exceptional communication and dedication throughout the entire process made what could have been a daunting experience feel smooth and reassuring. We felt supported and well-informed every step of the way. I highly r...
Ro Graveston
Nicola is an amazing person, we really enjoyed working with her. Thank you Nicola.
Nicola Winters
Roger was amazing and made our dream come true after being declined by another mortgage company who didn’t even give us a chance. Roger was prepared to put the extra time in and make it work for us.
We are now comfy, happy and secure in our first home. Thank you for making our dream come true.
Roger Fairbairn
Lynne was very easy to work with and got my mortgage sorted for me fast. I would highly recommend her.
Lynne Dent
There is no way we would have made it this far without all the blood, sweat and tears our MA Ro Graveston put into giving us advie and supporting us through our this journey. We can not thank her enough. She really does love seeing her clients succeed and helps them to make their dreams come true. ...
Ro Graveston
She’s very professional and advised us well, definitely one in a million, couldn’t have been happier with the outstanding service she provided. Serina is a very professional advisor, that offers service beyond expectations.
Serina Nicholson
I cannot recommend Christiana enough. So knowledgeable, helpful, very quick to respond. Also the process was so easy. All your documents are uploaded via a website and all visible in the one place. Will 100% be using her next time to re-fix our mortgage. Christiana really goes above and beyond for y...
Christiana Pollock
Serina was absolutely amazing! She was in constant communication and made sure we knew exactly what we had to do every step of the way. I wholeheartedly recommend Serina if you are looking for a mortgage adviser! Totally brilliant!
Serina Nicholson
To our Lovely Ro Graveston We are reaching out to express our deepest gratitude for all that you have done to guide us through the process of securing our very first home.The milestone is one we have dreamed of for years, and it would not have been possible without your expertise, patience and unwav...
Ro Graveston
Karen was exceptional to work with. She was diligent, compassionate and patient throughout the process. I would recommend Karen to anyone that is considering applying for a mortgage or even starting to save for a deposit.
Karen Latimer
Johnny was exceptional throughout the process. I will definitely recommend his services.
Johnny Ang
Ro was a superstar! We found her friendly, calm, and very knowledgeable. She was only a text away for my many questions. We would definitely recommend her to anyone looking to buy. I’m so glad we had her on our team.
Ro Graveston
Nicola was kind, polite, professional, smart, articulate, punctual, helpful, easy to contact and very easy to talk to. I would recommend Nicola to anyone looking at getting a home loan as she truly does go above and beyond expectations.
Nicola Winters
Karen was an absolute pleasure to work with! She took all our concerns seriously, had a great answer to every question and worked with us long-term to achieve our goals. I will absolutely recommend Karen and Mortgage Labs to anyone looking for mortgage advice in the future! 🙂
Karen Latimer
Lynne Dent, thank you so much for helping us to achieve our dream, your guidance really keep us on the right track, your kindness, fast and clear respond really helpful, 100% recommended. Regards. Scarlet and William.
Lynne Dent
Karen has been absolutely amazing, she took all the stress out of getting the mortgage for our first home.
Karen Latimer
Roger did an amazing job. He’s outstanding at his job. As a first home buyer, I was quite anxious about the entire process of buying a house. Roger made my anxiety disappear, guided me through the process with quality advise, checked in regularly with me and responded quickly to any questions I had. ...
Roger Fairbairn
Roger was awesome! We were looking to purchase for a while and working with Roger about what was possible for us really helped get things moving. It made the process so much less stressful and he never made me feel bad for all my check in calls for updates. Would recommend Roger and would use him ag...
Roger Fairbairn
Somesh was extremely helpful and assisted us in every step of the way. He thoroughly explained all the information in detail which made it easy for us to understand. He was patient and calm which helped relieve our stress during this process. I highly recommend Somesh as he is quick and efficient in...
Somesh Awasthi
Micheal went above and beyond to help us into our first home. He was amazing. Micheal explained everything to us as we went and helped to remind me to send things in. I would recommend him to anyone.
Michael Shrubsall
Very good, She always answers my questions as soon as possible. I am very satisfied with her work.
Cindy Huang
Laura was very helpful throughout the process, answering any and all my elaborate questions as a first home. Laura was great.
Laura Cate
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 herse...
Lynne Dent
Serina was amazing. Incredibly knowledgeable and patient with all my questions. She worked magic to get me and my partner into a home, and we cannot recommend her enough.
Serina Nicholson
Michael Shrubsall made the experience of buying my first home easy and positive! He has a real can-do attitude/approach and was able to look at my entire financial situation to not only help me buy my first home but set me up to be in the best financial position moving forward.
I felt really well-in...
Michael Shrubsall
As a first home buyer, as well as being on my own, having Dustin as my mortgage advisor was an absolute pleasure and I would highly recommend him for anyone looking for advise on home ownership and loans. From the start to the end, Dustin was always organised and kept me up to date every step of the...
Dustin Lindale
I met Dustin through Mortgage Lab. He was very good hassle free service, very clear on what was needed and not. He updated us clearly. He’s one of the best in business.
Dustin Lindale
Nicola was amazing from the start.
She explained the process throughout the whole thing and simplified it.
No question was too silly. She was easy to get hold of and she replied so incredibly quick.
Meeting with Nicola I held little hope that my dream was obtainable. After previous MA told me I need...
Nicola Winters
I was so lucky to have had Susan Wu as my mortgage financial adviser as an extremely nervous and admittedly clueless first home buyer. Susan was unconditionally kind and reassuring at every step of the way, and always willing to share her expertise at all hours of the day. She was extremely accommod...
Susan Wu
Easy to talk to realistic approach and knowledgeable.
Somesh Awasthi
Serina has been so lovely to work with. As first home buyers it was nerve-wracking going into it, but Serina made sure to explain everything to us and really listened to what our goals were. We felt comfortable at every step with her guiding us. She was also very accommodating with organising meetin...
Serina Nicholson
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 a...
Lynne Dent
Where do I start! Ro is one amazing lady & we are so grateful we had her in our corner. She was a delight to deal with & I would not hesitate to recommend her. She was always there whenever we needed & answered all our silly questions. We can’t thank her enough for making this process so easy.
Ro Graveston
I recently had the pleasure of working with Susan Wu, and I couldn’t be more impressed. Her professionalism and expertise in securing my home loan were remarkable. Susan guided me through the entire process, ensuring I understood each step. Thanks to her dedication and diligence, I now have a home lo...
Susan Wu
Both my partner and I really enjoyed working with Nicola. She was extremely knowledgeable and provided great guidance to help us get in to our first home.
She was always responsive and helpful, had excellent contacts and recommendations, efficient and very friendly.
We couldn’t ask for anyone better ...
Nicola Winters
Lynne was amazing helping us get sorted for our first home. As first home buyers we didn’t know a lot about the process and it was quite daunting but she made it so easy and was super quick to answer any questions. She helped remove a lot of the stress from the process! Would definitely recommend us...
Lynne Dent
As first home buyers we found Nicola to be very supportive and understanding with all the questions and worries we had. It took us awhile but we found a house and she was with us every step of the way!
Nicola Winters
Michael was incredible, he offered a lot of wisdom and guidance for my friend and I to get the most value out of the real-estate market, he helped us acquire amazing market leading interest rates, helped us step-by-step to secure the property of our choice, and even gave us guidance on what improvem...
Michael Shrubsall
A very enjoyable, stress free experience, even with last minute changes due to interest rate changes. Roy was very knowledgeable, providing clear and accurate information with good options. Understood our requirements and found a product that has more than met our expectations- wins all around.
Roy Pearson
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.