Rachel Railey - Mortgage Broker based in Waikato


Rachel Railey

Financial Adviser:
Mortgages and KiwiSaver

Based in Waikato
Contact: (021) 143 4797
Email: RachelR@mortgagelab.co.nz

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.


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 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 Rachel

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…

I loved working with Rachel! She made my whole journey to first home ownership easy and fun. She was so organised, an amazing communicator and made everything feel easy breezy when I always thought it was so complicated. Higly recommend Rachel to anyone.

Rachel Railey

First Home Construction - E Williams, Waikato

Rachel is very professional and friendly. I enjoy having Rachel to help me deal with the bank. I really appreciate her help and support during my journey on first house purchase. I finally got the loan from the bank and bought my house that i had dreamed of. Many thanks to Rachel.

Rachel Railey

First Home - Thames

Rachel was very helpful taking the stress out of the whole process and went the extra mile to ensure I got what I needed.

Rachel Railey

New Home and Consolidation - V Aperahama, Auckland

Rachel was a pleasure to deal with in navigating our way through purchasing our first home. She’s friendly, professional and applied a common sense approach to make sure we got the best mortgage which suited our needs! Thank you

Rachel Railey

First Home - J Mangan, Thames

Everything was handled professionally and in good time with excellent communication and we feel Rachel got the best deal available to us. If we ever need any sort of loan or mortgage again we wouldn’t hesitate to call Rachel at Mortgage Lab.

Rachel Railey

Debt Consolidation and Development - Thames

After struggling to get finance through ANZ Bank we sort help from Rachel and Mortgage Lab. We found her to be very professional and easy to deal with, we presented a unique case and Rachel worked tirelessly to get the best out come for us, her communication at every step kept us informed and nothing was too …

Rachel Railey

Development and Debt Consolidation - S Thompson, Thames

Amazing every step of the way, no question was to hard and kept us up to date with how everything was going!

Rachel Railey

Refinance - L Fisher, Waikato

I can’t speak highly enough of Rachel – she was was incredible!! From the very first time we contacted her she gave us a sense of being 100% invested in our home-ownership journey with us. Rachel, from the bottom of our hearts thank you so much for your skills, knowledge, optimism and passion!

Rachel Railey

First Home - Z Parton, Waikato

Rachel was the best friend we didn’t know we needed. She is warm, understanding, knowledgeable and will fight for you. You NEED Rachel on your team.

Rachel Railey

First Home -T Bryant, Waikato

Amazing every step of the way, no question was too hard and kept us up to date with how everything was going.

Rachel Railey

First Home Buyer - L Fisher, Waikato

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.

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”