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Mortgage Lab Services

How can we help you?

First Home Buyers
Free
Looking to purchase your first home? We can help!
We will calculate what you can afford, today and in the futureCalculate affordability +
We work with most banks to find the best option for youThe best bank for you +
We'll work with your Solicitor and Insurance Adviser to make your purchase as stress-free as possibleStep-by-step assistance +
Get access to our seminars around the countryNationwide Seminars +
Our system is completely paperless. Start the process by clicking "Get Started" anywhere on the Mortgage Lab websitePaperless Application +
We are preferred Advisers for the First Home Buyers ClubFirst Home Buyers Club +
95% is available on some Turn-Key contracts. 90% is widely available to first home buyers.Up to 95% LVR possible +
KiwiBuild pre-approvals
Contact an Adviser
Investors
Free
Grow your Investment Portfolio with us
We will calculate what you can afford, today and in the futureCalculate affordability +
We work with most banks to find the best option for youThe best bank for you +
We work with your Accountant to structure your mortgage for maximum tax deductibilityTax minimisation +
We work with your Solicitor to structure your mortgage correctly from the beginningLegal structure +
Allocate the correct parts of your mortgage to Interest-Only and reduce the rest of your mortgageInterest-Only advice +
We can help you borrow up to 80% on newly built investment propertiesUp to 80% for construction loans +
We have options to borrow up to 80% on existing investment propertiesUp to 80% for existing investments +
Contact an Adviser
Upgrades
Free
Time to upgrade? We can help.
We will calculate what you can afford, today and in the futureCalculate affordability +
We work with most banks to find the best option for youThe best bank for you +
Sometimes the timing isn't quite right. We'll walk you through your options for bridging your two home loans.Bridging finance +
Don't pay your mortgage for 30 years. With just a little extra payment, you can save tens of thousands of dollars!Mortgage reduction techniques +
Contact an Adviser
Interest Negotiations
Free
We will negotiate your next interest rate for you.
We track what the banks are offering to all our clients and know what a good deal isIndustry knowledge +
Most negotiations require just a quick 1 page form to be signed2 minute process +
Use this opportunity to discuss how to quickly reduce your mortgage. With just a little extra payment, you can save tens of thousands of dollars!Mortgage reduction techniques +
Contact an Adviser

 

Constructions
Free
Building a home? We have options.
We will calculate what you can afford, today and in the futureCalculate affordability +
Not all banks are equal. We work with most banks so your new home experience is stress-freeWork with the best bank for your building contract +
We'll work with your Solicitor and Insurance Adviser to make your purchase as stress-free as possibleStep-by-step assistance +
Our system is completely paperless. Start the process by clicking "Get Started" anywhere on the Mortgage Lab websitePaperless Application +
95% is available on some Turn-Key contracts. 90% is widely available when building your own home.Up to 95% LVR +
Contact an Adviser
Developers
~1%
Struggling to finance a good development. There are options
If the bank has said no, we work with you to get develop your landNon-bank options +
We can help you develop your next suburb.Up to $20 million developments +
Help your future buyers secure finance. We'll create a whole finance strategy for your sales team.Buyer Assistance +
Up to 75% LVR of completed value
Contact an Adviser
Bad Credit
~1%
Don't let a previous mistake stop you from purchasing property
We work with several non-bank finance for the best option for youHuge range of options +
Once your Credit is repaired, we'll take you back to the main banks at no additional costFuture planning +
We know that life happens. Don't be embarrassed; we'll work with you to get you ahead and into a better positionNo judgement +
Get control of your debt, reduce it quicklyDebt Consolidation +
Contact an Adviser
Tax Arrears
~1%
Got an unexpected tax bill? We have options for you
We work with several non-bank finance for the best option for youHuge range of options +
Once your taxes are cleared (typically 6 months), we'll take you back to the main banks at no additional costFuture planning +
We know that life happens. Don't be embarrassed about making money! We'll work with you to get you to sort out your tax today!No judgement +
Contact an Adviser
KiwiSavers
Free
Give us 20 minutes. We will make sure your KiwiSaver is sorted
40% of NZers don't know where their KiwiSaver is. We will make sure you know exactly what is happening with your investment.Find your money +
It's easy to accidentally over-pay tax with KiwiSaver. We make sure you are on the correct PIR so you're not losing moneyPay the right amount of tax +
It only takes a few minutes to potentially increase your retirement savings by hundreds of thousands of dollars15 minute process +
*class adviceMultiple funds available +
Contact an Adviser