Book a time with Rachel
It’s easy to apply for a new mortgage or get your current mortgage reviewed with Rachel. 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 Rachel. She looks forward to offering you a personalised service, creating a stress free experience.
Rachel Railey 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.
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…
A breakdown of KiwiSaver and some options on how to maximise your gains.
- KiwiSaver for the Self-Employed
- First Home Withdrawal
- And more…
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|
Q. What inspired you to become a Mortgage Broker?
A. New Zealand is such a special country to live, raise a family and enjoy. It truly is a paradise. Through a series of circumstances, I have been a first home purchaser three times now. I know how hard it is to achieve your own slice of paradise…and I know how good for the soul it is to have a place to call “home”. I am driven by a personal goal to put as many people into their own homes as possible. I count my successes by the success of my clients.
Q. What is the best part of being a Mortgage Broker?
A. It is helping people achieve something so meaningful.
Q. What have you found to be the most challenging aspect?
A. Learning all the differences between lenders. They are not all the same and have very different practical applications for the varied clients and situations.
Q. What is your most memorable client experience?
A. I am currently assisting a young woman to purchase her own home. She is so determined and committed to her future and SUCH an inspiration. I am privileged to be on this exciting journey with her. I can’t wait to see what else she goes on to achieve in life. I am certain she will do very well.
Q. How would you sum up being a Mortgage Broker in three words?
A. Expert, Customer Focussed, Problem solvers (I know, more than 3 words…3 descriptions…)
Q. If you were Prime Minister for one day, what would you do?
A. Change laws so families and citizens could reside in their own homes, work spaces and in public without fear of falling victim to violent crime. I would also request one P&O Cruise Ship to be dedicated to NZ…so we can cruise around NZ and possibly the islands in a “Cruisy Bubble” and definitely thank Jacinda for doing a darn fine job keeping us all so safe during this COVID time.
Q. If you could have dinner with any three people (alive or dead), who would it be?
A. My Grandad, Cleopatra and Lucy (first homo sapien)
Q. Complete this sentence: If I Wasn’t in Mortgage Broking, I would be…
A. Covered in plaster and sawdust, carrying on with rennos in our home.
- Sovereign Home Loans (AIA Sovereign)
- Bank 0f China Limited
What Past Clients Say…
Who can Rachel 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.
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.
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.