⭐️Mortgage Brokers ⭐️ Nationwide ⭐ Friendly Service

Get the best mortgage rates and friendly expert advice, all in one place

Whether you’re looking to buy your first home, already have a mortgage, or are looking to invest, we’re here to help you through the sometimes quite daunting process of getting a mortgage or refinancing.

We make sure everything is set up correctly, help satisfy the bank’s conditions, and work tirelessly to get you the best mortgage rates and conditions… nothing goes in the too hard basket, that’s a promise!

And the best part? All this at absolutely no cost to you!

That’s right, we don’t charge you for our services, so get in touch and find out how we can save you time, hassle, disappointment and money, while making your house purchase a smooth and seamless process.

The 5 Steps to Getting a Mortgage

1: We’ll meet and discuss your needs

2: We’ll go and get approval from the best bank for you

3: Pre-approval!

4: We’ll negotiate interest rates and meet to talk about how you’d like to structure your mortgage

5: You’ve got yourself a house!

Request a callback:

Call Us on 0800222553

Let us take the stress out of your next property purchase

You’re so close, you’ve been scouting the property market for months, you’ve been to countless open homes and talked to seemingly every agent in town and now you’re ready, you’ve found it… the one! Your dream home or investment opportunity!

Unfortunately, now comes the hard bit… getting it over the line. You need to tick many boxes and finance approval is one of the big ones.

Our mortgage brokers make sure you get the best deal, minus the hassle

We will walk you through the process of buying your first (or next) property, making sure to provide you with crucial information every step of the way, pulling out all the stops to get you over the line in time so that you don’t miss out on your dream home or investment opportunity.


Need a competent and reliable Mortgage Broker? We’ve got you covered!


We have Mortgage Advisers Whangarei, Auckland-wide, Tauranga, Hawkes Bay, Palmerston North, Wellington, and Christchurch.  Note that mortgage applications can be done remotely for most banks so you don’t need to be in the same city as your broker. See the full list of Brokers here.

Category: Home - FAQ

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For almost all our clients, there is no charge at The Mortgage Lab. We work with the banks and they pay us. The only time you’ll pay a fee is if we have to involve a non-bank finance company. You’ll always be made aware of these fees long before they are locked in.

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The banks pay The Mortgage Lab to find and prepare the entire application for them. This means they need less people in the branch which is much cheaper for them.

Additionally, the bank can control the type of business they receive. A bank might call The Mortgage Lab and say, “we don’t want high risk clients this month but we do want business owners”. And immediately, they will begin to receive those kind of clients from us. In a branch, the banks are forced to accept whatever client walks through the door.

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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.

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This is called “shopping the deal” and it appeals to a certain type of customer but the short answer is… no.  We won’t shop the deal the majority of the time.

Each bank runs a Credit Check on you when they approve an application and the other banks can see this. This not only lowers your Credit Score (which is not great) but when the bank comes to offer you interest rates, they are not going to bother fighting for a good deal because you are clearly looking at other competitors.

This is counter-intuitive to what you might think. Often people think that banks realise they’re in competition and sharpen their pencils. Branch staff will tell you that competition is healthy, but trust us, the internal staff respond much better to loyal customers.

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The banks typically say 5 working days.  Sometimes it can be as low as 2 days or sometimes it can be slightly longer.  If your application is urgent, let us know as soon as possible and we will mark it as urgent.

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Nope. Is that weird to admit? Bottom line is, you’ll get the same interest rates as us if you’re a good negotiator or if you’re especially charming to the branch teller.

So you’ve got those rates. Now which one are you going to choose? 1 year? 5 years? Interest Only? Partly Revolving? Should you take those bonuses they’re offering? Is it worthwhile bothering your Accountant?

We go over all of this for free and you don’t even need to go into a branch. And you’ve got our DDI if you have additional questions.

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Everyone has high and low points in their life.  That doesn’t mean your should be permanently unable to buy a house. If you’ve found the right house, we have a lot of options for buying even with a bad credit report.

You’ll pay more interest for a while but the goal is to get you back to a mainstream bank as soon as possible.

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You have to insure the houses that the bank has as security. However, the bank cannot force you to take any other form of insurance with them. We recommend getting independent advice on both insurance on your house and personal health insurance.

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A pre-approval is an offer (typically known as a Letter of Offer of Finance) from a bank or lending institution that indicates the maximum they are willing to lend. The document may have a list of conditions to still be met by the client. This is known as a Conditional Letter of Offer. A document with no conditions is known as an Unconditional Letter of Offer.

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Mortgage Brokers are generally a free service 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.

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We are always looking for amazing people to join our team. To become a great Mortgage Broker, you need to enjoy working people and helping them through a (sometimes) stressful time.

To become a Mortgage Lab Adviser, you will need to demonstrate a good level of understanding of the mortgage market and an unrelenting willingness to put your clients first.

To find out more, head on over to our Careers page.

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