Nicola Winters - West Auckland based Mortgage Broker

Nicola Winters

Financial Adviser:
Mortgages and KiwiSaver

Based on the West Auckland
Contact: (021) 157 4588
Email: NicolaW@mortgagelab.co.nz

Book a time with Nicola

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

Once you’ve completed the application, Nicola will be in touch to work through everything with you. There’s no cost for this service.

If you have any questions while you are completing the online form, don’t hesitate to contact Nicola. She’s here to help.

Nicola Winters 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 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…

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):



Sunday Appointments available upon request
Monday 9.00am – 5.00pm
Tuesday 9.00am – 5.00pm
Wednesday 9.00am – 5.00pm
Thursday 9.00am – 5.00pm
Friday 9.00am – 5.00pm
Saturday Appointments available upon request

About Nicola

Q. What inspired you to become a Mortgage Broker?

A. I have a passion for helping people achieve their goals and enjoy building long term connections. I have used mortgage brokers personally and found them to make the whole process seamless when purchasing property and it really inspired me to want to do the same for others.

Q. How would you sum up being a Mortgage Broker in three words?

A. Helpful, resourceful, reliable.

Q. If you were Prime Minister for one day, what would you do?

A. Lower the prices of food and fuel.

Q. If you could have dinner with any three people (alive or dead), who would it be?

A. My Dad, Dwayne Johnson, Oprah

Q. Complete this sentence: If I Wasn’t in Mortgage Broking, I would be…

A. Selling real estate

  • Sovereign Home Loans (AIA Sovereign)

What Past Clients Say…

I wanted to take a moment to express my sincere gratitude for your exceptional assistance in facilitating the refinance of our mortgage.
Your expertise and dedication throughout the process were truly invaluable. Your guidance made the entire experience smooth and efficient. We appreciate your commitment to ensuring we understood each step, and your prompt …

Nicola Winters

Refinance - M Samir, Auckland

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 bett…

Nicola Winters

First Home - S Thomas, Auckland

Nicola is an amazing person, we really enjoyed working with her. Thank you Nicola.

Nicola Winters

First Home - Auckland

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

First Home - G Guo, Auckland

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 me every …

Nicola Winters

First Home - S Scanlon, Whanganui

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

First Home - G Thornton, Auckland

Nicola has been an absolute pleasure to deal with. She has explained everything at the start and along the way. Answers and replies to emails and questions and when required will pick up the phone to discuss thinks. She has great knowledge and expertise and I feel that she has advised and helped us to g…

Nicola Winters

Investment - F Oloapu, Auckland

Thank you so much Nicola! You have been amazing throughout our whole experience, you have been patient, supportive and incredibly prompt with responses, and communications with other services. You have made this process so easy and taken a lot of stress away and we are so grateful! Thank you again.

Nicola Winters

Investment - S Walker, Auckland

She was awesome.

Nicola Winters

First Home - E Wallace, Auckland

It’s a very frustrating time at the moment working with the Banks. For many years we have used the services of a Mortgage Broker and been completely satisfied. Recently we had to change to Nicola and ask for her service. We couldn’t have been more delighted. Efficient, responsive and communi…

Nicola Winters

New Home - D Candy, Whitianga

Nicola was so awesome to work with, she helped us through every step of the mortgage process and really took the stress out of it for us. She was really lovely and knowledgeable and we would recommend her to everyone!

Nicola Winters

New Home - L Happe, Auckland

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

First Home - S Beech, Auckland

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. I w…

Nicola Winters

First Home - A Lee, Auckland

Nicola was wonderful to deal with when it came to our restructure of our mortgage, she listened to what we wanted to do moving forward and worked hard to bring the best option for us in these uncertain times. Nicola keep us both well informed during the process of moving banks and made the move as stres…

Nicola Winters

Refinance and Top-Up - S Browne, Auckland

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 get…

Nicola Winters

First Home - G Palu, Auckland

Who can Nicola 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”