Laura Cates - Mortgage Broker based in Whangarei


Laura Cates

Financial Adviser:

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

Book a time with Laura

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.


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…

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):



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

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.

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

What Past Clients Say…

Laura was very helpful throughout the process, answering any and all my elaborate questions as a first home. Laura was great.

Laura Cate

First Home - C Sands, Whangarei

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

New Home - D Heta, Whangarei

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

Laura Cates

Development - Whangarei

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

Personal Loan - S Stanley, Whangarei

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

New Home - P Turnock, Northland

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

New Home - J Lewis, Northland

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

First Home - Z Starr, Northland

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

Laura Cates

Debt Consolidation - R Farrell, Northland

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?

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.

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.

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”