Thinking about getting a loan to snag your dream home? If so, teaming up with a top-notch mortgage broker in Auckland could be your secret weapon!
Buying a house isn’t just a purchase—it’s one of life’s biggest milestones. That’s why we’ve done the hard yards to bring you a list of Auckland’s best mortgage brokers. We’ve handpicked them based on their credentials, stellar reputations, and solid networks with lenders.
1. Stephen Robertson – The Mortgage Maestro of Auckland’s Eastern Suburbs
| SERVICES | Residential Mortgages, Commercial Finance, Home Loans, Investment Property of Mortgages, Business Loans |
| WEBSITE | https://www.mymoney.net.nz/ |
| ADDRESS | 50 Remuera Road, Remuera, Auckland 1050 |
| CONTACT DETAILS | Phone: (09) 377 4433Email: stephen@mymoney.net.nz |
| OPERATING HOURS | Monday to Saturday: 8:00am – 5:00pm Sunday: 8:30am – 5:00pm |
Stephen Robertson isn’t your average financial adviser. Based in Auckland’s Eastern Suburbs, Stephen has been helping Kiwis secure their dream homes since 2006. With nearly two decades of experience in the banking industry, he’s built an impressive network that gives him an edge when it comes to securing loans for his clients.
What sets Stephen apart? He’s not just a mortgage broker; he’s also a qualified Chartered Accountant (CA). This means he’s got the know-how to craft loan packages that are not only tailored to your needs but also financially savvy.
Why Choose Stephen?
- A Trusted Network: Stephen works with a wide range of lenders, from traditional banks and finance companies to private and project lenders. This diverse network means he’s always in the know about market conditions and can score deals others might miss.
- Proven Results: He boasts an impressive track record, claiming to have achieved “90% home loans with no low-equity fees while still locking in discounted rates.” That’s the kind of magic his strong lender partnerships can work.
- Tailored Support: Stephen’s process starts with a detailed online survey to get a full picture of your financial situation. This allows him to present you to lenders in the best possible light, increasing your chances of approval.
Fees and Transparency
Most mortgage brokers in NZ work on commission from loan providers, but Stephen keeps it upfront. If your case requires extra legwork without securing a loan, he may charge a consultancy fee. Don’t worry, though—he’ll always discuss this with you beforehand so there are no surprises.
Beyond Mortgages
My Money isn’t just about getting you a loan. They also offer income insurance options, helping protect your family from unexpected financial burdens.
Flexible and Accessible
Headquartered in Remuera, Stephen focuses on clients in Auckland’s Eastern Suburbs but isn’t limited by location. Thanks to video calls and other tech-savvy communication tools, he can assist clients anywhere in New Zealand.
If you’re after a mortgage broker who’s got the expertise, connections, and transparency to help you make your homeownership dreams a reality, Stephen Robertson and My Money should be at the top of your list.
| Pros | Cons |
|---|---|
| Also a certified Chartered Accountant Available daily Provides income insurance protection | Focuses on Eastern suburbs of Auckland May charge service consultancy fees |
2. Mike and Mike Whittaker Mortgages – Your Trusted Guides to Property Success
| SERVICES | First Home Buyers, Investing In Property, Review Your Mortgage, Homeowners Loan, Interest Rates, Car And Personal Loans |
| WEBSITE | https://mwmortgages.nz/ |
| ADDRESS | 6 a/ 114 St Georges Bay Rd. Parnell Auckland 1052 |
| CONTACT DETAILS | 021 579 324 |
| OPERATING HOURS | Monday-Wednesday: 7:30 AM – 6:00 PM Thursday: 7:30 AM – 4:00 PM Friday: 7:30 AM – 3:00 PM Saturday: 9:00 AM – 11:00 AM |
Since its launch in 2005, Mike and Mike Whittaker Mortgages has become a go-to name in New Zealand’s mortgage advisory scene. Founded by Mike Whittaker, a licensed financial adviser with over 19 years of experience, this firm is all about helping Kiwis turn their property ownership and investment dreams into reality.
Why Mike Whittaker Stands Out
- Decades of Expertise: With 20 years of financial advisory experience and a track record as a mortgage specialist, Mike brings unparalleled insight into the lending process. Plus, as a property investor with seven properties under his belt, he knows exactly what it takes to navigate the market.
- Strong Bank Relationships: Mike’s established connections with all major New Zealand banks mean he can negotiate better terms, tackle tough loans, and craft financial solutions tailored to your needs.
- All-Inclusive Services: Whether you’re buying your first home, upsizing, or diving into property investment, Mike Whittaker Mortgages has you covered.
What You’ll Love
- Transparency: First-time buyers, rejoice! With clear disclosure documents and straightforward advice, the firm ensures you’re never left in the dark.
- Free Consultations: Whether by phone, Zoom, or in-person in Parnell, Mike makes it easy to get started with a no-obligation consultation.
- Personalised Support: From simplifying tricky processes to finding solutions for unique financial situations, Mike’s hands-on approach ensures a smoother path to approval.
The Extra Mile
Mike and his team excel at securing approvals for challenging cases, making them a top choice for clients with complex financial circumstances. With an “inside edge” at all the banks, they offer efficiency and expertise that can be hard to match.
If you’re looking for a mortgage broker who’s as experienced as he is relatable, Mike Whittaker Mortgages could be your perfect match.
| Pros | Cons |
|---|---|
| Extensive Experience and Expertise Strong Relationships with Banks Versatility in Lending Solutions Clear Communication and Transparency Personalized and Accessible Service Competitive Edge with “Tough Loans” | Closed on Sundays |
3. Lindsay Hill of Squirrel – Your Go-To Mortgage Broker for First-Time Buyers and Property Investors
| SERVICES | Home Owners Loan, Tiny House Loan, Vehicle Loan, Debt Consolidation Loan, Personal Loan, Home Loan Investment, Business Property Investment, Personal Loan Investment |
| ADDRESS | https://www.squirrel.co.nz/ |
| ADDRESS | 38 College Hill, Freemans Bay, Auckland 1011, New Zealand Ground Floor, Ford Building 86 Highbrook Drive, East Tamaki Head Office – Operations: 29 Sale Street, Auckland CBD |
| CONTACT DETAILS | Direct Line: (021) 793-274 Email: lindsay@squirrel.co.nz Main Phone: 0800-212-233 For advice spoken in Chinese: 0800-666-969 For advice spoken in Indian: 0800-212-223 |
| OPERATING HOURS | Monday to Friday: 9:00am – 5:00pm |
With over 13 years in finance and 9 years as a mortgage broker in Auckland, Lindsay Hill is a seasoned expert who’s passionate about helping first home buyers and property investors. As a regulated financial adviser, Lindsay brings the know-how and experience to guide you through the mortgage process with ease.
Why Choose Lindsay Hill at Squirrel?
- Experienced and Trusted: Lindsay has spent nearly a decade helping Kiwis secure their dream homes and grow their property portfolios. As part of the well-respected Squirrel team, he’s backed by over 25 financial advisers with a collective wealth of knowledge.
- Award-Winning Service: Squirrel has earned recognition for its mortgage broking, being named top of its game by the NZ Financial Services Group within just a few years of opening.
Unique Offerings at Squirrel
- Peer-to-Peer Lending: Squirrel goes above and beyond by offering its own mortgage products via a peer-to-peer platform and managed funds. With access to over 1,000 peer-to-peer lenders, you’re sure to find an option that works for you. But if that doesn’t cut it, they also have partnerships with nine major banks, including BNZ, Westpac, and Auckland Savings Bank.
- Employee Brokers, No Commission: Unlike other brokers, Lindsay and his colleagues at Squirrel are paid employees, not commission-based. This ensures unbiased advice, with no preference towards one lender over another. Squirrel itself receives commissions, which helps them negotiate lower interest rates for clients.
Standout Services
- Bridging Finance: This game-changing service allows you to buy a new property before selling your current one. Squirrel can help you secure a short-term loan to bridge that gap, making your move as smooth as possible.
- Property Investment Support: Squirrel provides up-to-date insights into the property market, helping you secure the best mortgage rates to maximise your investment returns.
- Tiny House Financing: Looking to invest in a tiny house? Squirrel has you covered with loans of up to $70,000 and low-interest rates starting at just 8.95%. They also protect you from sketchy sellers by keeping an eye on unregulated transactions.
Lindsay Hill and Squirrel stand out for their innovative approach to mortgage broking, offering a wide range of solutions to help you secure the best deal. Whether you’re buying your first home, investing in property, or eyeing a tiny house, Lindsay’s expertise and Squirrel’s unique services are sure to set you on the right track.
| Pros | Cons |
|---|---|
| Offers their own mortgage products Can finance tiny houses Employees are paid salaries not commissions Squirrel can offer advice in Chinese or Indian Has a network of over 1,000 peer-to-peer lenders | Only works with nine major lenders Company receives the commission, not the broker |
4. Colin Hill of The Mortgage Supply Co – Your Go-To Mortgage Expert with 40+ Years of Experience
| SERVICES | First Home, Property Investment, Refinancing |
| WEBSITE | https://mortgagesupply.co.nz/ |
| ADDRESS | 3/1 Rhone Ave, Te Atatu Peninsula, Auckland 0610 |
| CONTACT DETAILS | Colin HillPhone: (09) 834-8682Mobile: (027) 643-5454Email: colin@mortgagesupply.co.nz Head OfficeToll-Free: 0800-MY-SUPPLYEmail: supplyme@mortgagesupply.co.nz |
| OPERATING HOURS | Monday to Friday: 8:00am – 6:00pm |
If you’re looking for a mortgage broker with decades of know-how, Colin Hill of The Mortgage Supply Co is the expert you need. With over 40 years in the financial advisory world, Colin specialises in mortgages and lending for both commercial establishments and home buyers.
Why Choose Colin Hill?
- Veteran Expertise: Before joining The Mortgage Supply Co, Colin spent 36 years as a business manager at the Bank of New Zealand. His deep financial expertise, coupled with his 99% pass rate in Omega Commercial Loans to Business, makes him a highly credible advisor in the industry.
- A Key Player in a Seasoned Team: Colin brings a wealth of knowledge to The Mortgage Supply Co, making up a third of the company’s overall experience. So, when you work with Colin, you’re tapping into a deep reservoir of expertise.
What Sets The Mortgage Supply Co Apart?
- Nationwide Presence: While their head office is in Auckland, The Mortgage Supply Co has offices across eight locations in New Zealand, ensuring their services are accessible nationwide.
- Commission-Based Fees: Just like other brokerage firms, The Mortgage Supply Co earns commissions from lenders for the loans they broker. Most services are free, though there are some fees for non-bank lending, property trading, and commercial transactions.
- High Loan-to-Value Ratios: If you’re looking to borrow up to 90-95% of a property’s value, The Mortgage Supply Co can help negotiate the best deal for you, based on your income and other assets.
- Helping Clients Abroad: Colin Hill and his team can assist you in purchasing property in New Zealand even if you’re living overseas. With access to non-bank lenders, they can help you secure financing that traditional banks may not offer.
Why Colin Hill is a Top Choice
With over 40 years in the industry and a wealth of experience with non-bank lending options, Colin Hill is one of the most reliable and knowledgeable mortgage brokers in Auckland. Whether you’re based in New Zealand or abroad, The Mortgage Supply Co can help you secure the right loan for your property goals.
| Pros | Cons |
|---|---|
| Multiple locations across New Zealand Can help you loan up to 95% of property’s value Can assist overseas clients purchase NZ property | Does not provide public disclosure documents Does not indicate certificate level |
5.Nadeesha Ranasinghe-Lyndon of Finsol Insurance & Mortgage Brokers – Your Numbers-Savvy Mortgage Guide
| SERVICES | Personal Life and Health Insurance, Home Loans, Business Key Person & Shareholder Protection, ACC Restructuring and Levy Reduction |
| WEBSITE | https://www.finsol.co.nz/ |
| ADDRESS | South Auckland 7 Tobin Street, Pukekohe, Auckland, New Zealand North Auckland 3 Ceres Court, Rosedale, Auckland 0632 |
| CONTACT DETAILS | Toll-Free: 0800-346-765Mobile (direct): (06) 650-5162Email: paul@finsol.co.nz |
| OPERATING HOURS | Monday to Friday: 8:30am – 6:00pm |
If you’re looking for a mortgage broker who brings a sharp, numbers-driven approach to the table, Nadeesha Ranasinghe-Lyndon of Finsol Insurance & Mortgage Brokers might be your perfect fit. With a Bachelor of Commerce in Accounting and Finance from Massey University, she knows how to navigate the numbers and make your mortgage journey as smooth as possible.
Why Choose Nadeesha Ranasinghe-Lyndon?
- Solid Financial Expertise: Armed with a background in both accounting and sales, Nadeesha is well-versed in guiding clients through the mortgage maze with a clear, strategic approach. She holds Level 5 Financial Advice and Residential Lending Certificates, ensuring you’re in safe hands throughout the process.
- Personalised Guidance: As your go-to contact in Auckland, Nadeesha provides hands-on support, making sure you feel confident every step of the way.
What Sets Finsol Apart?
- Streamlined Digital Process: Finsol has made the typically complex mortgage process easier with a smart online system. From signing documents digitally to submitting requirements online, everything is streamlined, saving you time and hassle.
- Clear Roadmap to Paying Off Your Mortgage: Once you’re on board, Finsol helps you develop a strategy to pay off your mortgage efficiently. They don’t just secure the loan—they make sure you’re set up for long-term success.
- Diverse Team Backgrounds: Finsol’s team comes from all walks of life. The founder, for instance, was an electrician before launching the company. This unique mix of experiences allows them to connect with clients from different backgrounds, tailoring their advice to suit individual needs.
More Than Just Mortgages
- Home Insurance: Finsol offers home insurance as part of the package, meaning you can tick that off your list without needing a separate broker. It’s one less thing to worry about as you move forward with your mortgage.
- Maximise Your KiwiSaver: If you’ve been a KiwiSaver member for at least three years and are in good standing, Finsol can help you access up to $10,000 in loans for your first home, making it easier to take that first step onto the property ladder.
Why Finsol is a Top Choice
Nadeesha and her team at Finsol are dedicated to making your mortgage journey as stress-free as possible, blending financial expertise with a customer-first approach. Whether it’s securing your loan, navigating the paperwork, or even arranging insurance, they’ve got you covered every step of the way. Plus, with free consultations to start, you can easily see if Finsol is the right fit for you.
| Pros | Cons |
|---|---|
| Multiple locations across New Zealand Can help you loan up to 95% of property’s value Can assist overseas clients purchase NZ property | May charge fee for financial advice Only one loan advisor in Auckland |
6.Rakesh Bansal of KiwiMortgages – Your One-Stop Shop for Mortgages & Insurance
| SERVICES | Home Loans, Insurance, Personal Loans, Business & Commercial Restructures, Refinancing & Refixes, Investment Loans, Bridging Loans, Land & Construction Loans, Mortgage Sale Rescues, Self-Employed, Property Development |
| WEBSITE | https://www.kiwimortgages.net.nz/ |
| ADDRESS | 116b, Cavendish Drive, Manukau City, Auckland 2241 |
| CONTACT DETAILS | Phone: (508) 332-211 Email: info@kiwimortgages.net.nz |
| OPERATING HOURS | Monday to Friday: 8:00am – 6:00pm Saturday: 9:30am – 4:00pm |
Looking for a mortgage broker who knows the ins and outs of home loans, commercial lending, and construction finance? Meet Rakesh Bansal, the Principal Adviser at KiwiMortgages, bringing over 30 years of banking experience to the table. His in-depth knowledge helps clients tackle everything from securing their first home to refinancing mortgages and managing personal risk insurance.
Why Choose Rakesh Bansal?
- Expertise You Can Trust: With decades of experience in banking, Rakesh is fully certified to offer financial advice, including residential property lending and life and health insurance. His broad skill set means you get expert guidance every step of the way.
- A Wealth of Knowledge: Whether you’re buying your first home, seeking loan opportunities, or navigating the maze of refinancing, Rakesh and KiwiMortgages have the know-how to guide you through it all.
What Sets KiwiMortgages Apart?
- Access to Over 20 Lenders: Unlike many brokers who are tied to a limited range of options, KiwiMortgages works with over 20 lenders, including both banks and non-bank institutions. This gives you more flexibility and a better chance of securing the right deal.
- Low Deposit Home Loans: Whether you’re struggling to save up for a large deposit or just want to find an affordable home loan, KiwiMortgages can help you secure low deposit loans that match your financial situation.
- First Home Owners Grant (FHOG) Assistance: We know that the paperwork involved in applying for an FHOG can be a headache. KiwiMortgages makes the process easier by breaking down the legal jargon and helping you meet all the requirements to secure your grant.
- Mortgage Restructuring: If you’re facing financial challenges, KiwiMortgages can assist you with restructuring your mortgage to make monthly payments more manageable. They also help you plan for the future once your situation improves.
More Than Just Mortgages
- Insurance Services: Rakesh and his team don’t stop at mortgages. KiwiMortgages also offers mortgage protection insurance, giving you peace of mind that your mortgage payments will be covered if illness or injury stops you from working.
- Award-Winning Service: KiwiMortgages was a finalist in the Best in Customer Service Delivery category at the Westpac Auckland Business Awards, a testament to their dedication to providing top-notch service.
Why KiwiMortgages is a Top Choice
KiwiMortgages is a one-stop shop for all your mortgage and insurance needs. With a wide range of lenders, expert advice, and added insurance services, they provide the flexibility and support needed to secure your financial future. Plus, with free reviews and consultations, you can see if they’re the right fit for your goals before committing.
| Pros | Cons |
|---|---|
| Offers free review of your financial situation Can accommodate commercial and business sector Also offers insurance packages and advice | Only three financial advisers Doesn’t specify if services extends across New Zealand |
7. MortgageHQ – Making Property Transactions in Auckland Effortless
| SERVICES | Advise for Restructure, Refinance, Buying |
| WEBSITE | https://mhq.co.nz |
| ADDRESS | 1 Ara-Tai Road, Half Moon Bay, East Auckland |
| CONTACT DETAILS | support@mhq.co.nz0800 733 462 |
| OPERATING HOURS | 8:30am – 6pm everyday |
Looking to buy or sell property in Auckland without the hassle? MortgageHQ is here to make the entire process smoother and stress-free. With a reputation for delivering comprehensive and satisfying results, they’ve earned the trust of clients throughout the region.
Why Choose MortgageHQ?
- Expert Team with Specialised Knowledge: Each team member at MortgageHQ brings their own expertise to the table, allowing them to work seamlessly together to cater to your unique needs. Whether you’re buying, selling, or refinancing, their experienced professionals have got you covered.
- Always Someone to Contact: One of the major benefits of working with MortgageHQ is the assurance that you’ll always have someone to reach out to. They pride themselves on excellent communication and are committed to keeping you in the loop every step of the way.
- Future-Focused Advice: MortgageHQ takes a holistic approach, considering the long-term impact of your financial decisions. They help ensure you won’t find yourself in sticky situations later, while enabling you to enjoy the benefits of your property in the present.
Why It Works
- No Hidden Fees: You’ll be pleased to know that MortgageHQ offers their expert services for free, with no unexpected charges or hidden fees. Transparency and client satisfaction are their top priorities.
- Dedicated to Your Success: The MortgageHQ team is committed to providing you with the best possible mortgage advice, helping you make informed decisions that align with your financial goals.
If you’re looking for a reliable, knowledgeable, and customer-focused mortgage broker in Auckland, MortgageHQ is the team you can trust to deliver the results you need.
| Pros | Cons |
|---|---|
| Comprehensive advice Extensive team of professionals Fast and responsive Open everyday | Only three financial advisers Doesn’t specify if services extends across New Zealand |
FAQs
1. What makes a mortgage broker different from a bank?
A mortgage broker works with multiple lenders, both banks and non-bank institutions, to find you the best loan options. Unlike a bank, which can only offer their own products, mortgage brokers have access to a wide range of lenders, giving you more flexibility and potentially better rates.
2. How do mortgage brokers get paid?
Most mortgage brokers earn a commission from the lender once a loan is secured. However, some brokers may charge a consultancy fee if significant work is involved but no contract is signed. Always ask upfront about any potential fees.
3. Can a mortgage broker help if I have bad credit?
Yes! A good mortgage broker can help you navigate tough financial situations, including bad credit, by finding lenders that may be willing to work with you or help you improve your chances of approval.
4. Do I have to pay a mortgage broker upfront?
Typically, mortgage brokers don’t charge you upfront fees. Their services are often free, as they get paid by lenders once a loan is successfully arranged. However, always confirm this with the broker before proceeding.
5. How do I know which mortgage broker is the best for me?
Look for a broker who understands your specific needs, whether you’re a first-time homebuyer, a property investor, or refinancing. Also, consider factors like their experience, customer service, and the range of lenders they work with.
Conclusion
When choosing a mortgage broker in Auckland, it’s important to find a professional who not only understands your financial goals but also has the expertise to help you navigate the complex world of property loans. From trusted veterans like Colin Hill to innovative firms like Squirrel, the options are varied and tailored to meet different needs. Whether you’re buying your first home, refinancing, or exploring property investment, these brokers bring experience, transparency, and a range of lending options to help you make informed decisions.
Ready to Find Your Dream Property?
Explore a wide selection of mortgage brokers and property listings on Find New Zealand! Visit our website now to discover the best options for your next property journey. Whether you’re looking for expert mortgage advice or the perfect home, we’ve got you covered!
