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Laura Cates - Mortgage Broker based in Whangarei

Laura-Cates-Profile-picture-Mortgage-Lab-Mortgage-Adviser

Laura Cates

Financial Adviser: Mortgages and KiwiSaver

Based in Whangarei
Contact: (021) 207 1331
Email: LauraC@mortgagelab.co.nz

About Laura Cates

Born and raised in Rotorua, Laura moved to Northland in 2004, living in Whangarei with her young family.  Laura has an extensive background in banking and finance with 15 years in the industry. Laura loves the personal aspect of mortgage broking – meeting people, getting to know them and helping them take first steps, next steps and embark on new adventures.

Laura is a lover of nature and the great outdoors. She can often be found exploring Northlands coastline with her kiddos and enjoying scenic walking tracks.


It’s easy to apply for a new mortgage or get your current mortgage reviewed with Laura.  Click the “Start Your Application” button above and create your own free account in our online system.

If you have any questions while you are completing the online form, don’t hesitate to contact Laura. She looks forward to offering you a personalised service, creating a stress free experience.


Laura Cates provides regulated financial advice under The Mortgage Lab NZ Limited FAP license and business structure and works within Mortgage Lab as a Financial Adviser – Mortgage and KiwiSaver Specialist.

Services

Mortgage Advice

First Home, Second Home, Holiday Home, Investment Property, Construction loan. I can help with all your home buying needs.

  • Investment Property Finance
  • Construction Loans
  • Non-Bank Lenders
  • Debt Consolidation
  • And more…

KiwiSaver Advice

A breakdown of KiwiSaver and some options on how to maximise your gains.

  • KiwiSaver for the Self-Employed
  • First Home Withdrawal
  • And more…

Online Meeting

I am able to meet with you over online platforms if you are unable to meet in person.

Available to meet at your location (or online):

Day

Time

Sunday 7.00am – 7.00pm
Monday 7.00am – 7.00pm
Tuesday 7.00am – 7.00pm
Wednesday 7.00am – 7.00pm
Thursday 7.00am – 7.00pm
Friday 7.00am – 7.00pm
Saturday 7.00am – 7.00pm

Book a time with Laura

  • Sovereign Home Loans (AIA Sovereign)
  • Bank of China Limited

What Past Clients Say…

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

New Home - J No-Ingham, Northland
Laura Cates

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

Laura Cates

New Home - P Smith, Northland
Laura Cates

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

Laura Cates

Debt Consolidation - R Farrell, Northland
Laura Cates

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

Who can Laura help?

Laura Cates

First Home Buyers

We help first home buyers achieve their dream of home ownership by reviewing their finances and helping them find the right loan. It’s never too early to start this process, and making plans early on can set you up for success.

Laura Cates

Home Owners

Even if you already own a property, it’s a good idea to check that your mortgage is setup correctly.  We often find our clients can save thousands of dollars by simply re-arranging their mortgage and negotiating their interest rate.  We do this on our clients behalf at no cost.

Laura Cates

Investment Properties

It doesn’t matter if you’re planning to build or simply buy an existing property. If you are looking to build your property portfolio, we are here to help and make sure you get it correct the first time.

“The Successful First Home Buyer”

Laura Cates

Some useful mortgage tools

Use our Loan Repayment Mortgage Calculator to see how much your mortgage will cost

Use our mortgage calculator below to see your expected mortgage payments.  Click on the “Extra Payments” tab to see how quickly you could pay off your mortgage with just a little extra payment.

How much can you borrow?  Check out our affordability calculator.

Use our affordability mortgage calculator to see what you might be able to borrow on your income.