Find a Mortgage Broker in Auckland
Get the money you need to buy your dream home in Auckland with help from a local mortgage broker
Updated 23 September 2020
- Mortgage brokers hunt the home loan market to find you a good deal, as well as save a lot of time on form-filling. They can advise you on everything you need to know about taking out a mortgage and the house-buying process, as well as KiwiSaver withdrawals and grants if you qualify.
- A Bank may have told you NO, but a mortgage broker has the contacts to very often turn that into a YES.
- Mortgage brokers know the key details about each lenders' criteria, and can recommend the right lenders for your situation.
- The most important thing is to find a mortgage broker you're comfortable with. Hundreds are working all over Auckland, and we've created this guide to help you navigate arranging a home loan.
- Remember: Real estate agents you meet at open homes will probably recommend brokers. Many have existing relationships and get a commission for any business you give to their recommended mortgage broker. You don't need to engage them - you have full control of who you choose.
Our Auckland Mortgage Broker guide covers:
MoneyHub's Top 3 Trusted Auckland Mortgage Brokers
- Our research highlighted three leading mortgage brokers who deliver results for their clients.
- We suggest contacting My Money, mortgagehq and Mike Whittaker Mortgages - our top three mortgage brokers have proven five-star reviews and have delivered outstanding results to Auckland residents just like you.
- Contacting a mortgage broker by phone is the best way to kick things off - you can explain your plans and hear how you can get the results you want.
- Advertising Disclosure: The three mortgage brokers appearing on this list have accepted MoneyHub's invitation for enhanced promotion, and pay for this service. We stand by their reputation and service, which we conclude as being excellent.
Know This First: The Process of Working with a Mortgage Broker
- Once you've decided to contact a mortgage broker, you will have an initial assessment. This is a meeting where you share details about your financial position and what you want to achieve.
- After that, the mortgage broker will provide a comparison of the best-suited home loans you qualify for - this often means they will create a shortlist of the home loans most relevant to you.
- Once you've considered the home loans, you will decide on one and make an application. The mortgage broker does this on your behalf; you'll need to provide the information they ask.
- Once the application is submitted, the lender (i.e. bank) will come back with their decision - it will, in most cases, be an approval or decline.
Useful Tools to Help Plan a Mortgage
How much does a mortgage broker cost?
- There are no upfront costs or service fees. Mortgage brokers make their money from commissions paid to them by the banks.
- You won't necessarily pay more for your mortgage either. Mortgage brokers work the same as travel agents who earn commissions from airlines and hotels etc.
- It is up to you to decide which bank and mortgage deal you want - the mortgage broker will be paid by the lender you pick.
- Industry insiders suggest this can be as high as 1% of your loan amount; your broker could earn $5,000 from a $500,000 mortgage. But the law states that mortgage brokers are not required to disclose commission payments.
What should I ask a mortgage broker to make sure I get the best deal and service?
As individual mortgage broker expertise and access to deals will vary around Auckland, you can get comfortable by asking two essential questions:
- How many lenders do you work with? The more lenders (i.e. banks) the broker has a relationship with, the higher the chances you'll get the best deal. A good answer is at least five banks, but the more they cover, the better for you.
- What are your fees and commissions? You can ask that, even if they are not legally obliged to tell you. If they do, it will probably create trust and help you understand a little bit more about how mortgage brokerage works.
Auckland Mortgage Brokers - 5 Things to Know Upfront
- Mortgage brokers may not work with every bank, so it's important to ask upfront what lenders won't be included so it's clear what you are comparing.
- Cross-selling is being reported; this involves you being recommended insurance policies by a mortgage broker or one of their associates. As insurance is very lucrative; there may be a lot of pressure to buy. You are under no obligation to and our guides to life insurance, contents insurance, home insurance and income protection insurance outline what you need to know.
- You may also be recommended conveyancing services by a related law firm. You are under no obligation to hire the lawyers suggested by your mortgage broker.
- If a real estate agent is insisting you use their recommended mortgage broker, you don't have to. You don't even need to use a mortgage broker at all.
MoneyHub's Top 3 Trusted Auckland Mortgage Brokers
- Our research highlighted three leading mortgage brokers who deliver results for their clients.
- We suggest contacting mortgagehq, Mike Whittaker Mortgages and My Money - our top three mortgage brokers have proven five-star reviews and have delivered outstanding results to Auckland residents just like you.
- Contacting a mortgage broker by phone is the best way to kick things off - you can explain your plans and hear how you can get the results you want.
- Advertising Disclosure: The three mortgage brokers appearing on this list have accepted MoneyHub's invitation for enhanced promotion, and pay for this service. We stand by their reputation and service, which we conclude as being excellent.
10 Trusted Auckland Mortgage Brokers Available Right Now
Our list below, which is no particular order, covers Central, East, West, North and South Auckland. We have selected these based on their history of longstanding service within Auckland, location and data extracted from internet reviews on Google Business, Facebook, TradeMe Services, specific mortgage forums and guides, and other sources.
Beyond standard mortgage clients, the mortgage brokers below all have experience with non-standard and 'complicated' client requests. This can include single-income, self-employed and foreign income situations.
Know this: It's important to remember you don't need to go with the first broker you talk to. More importantly, you’re in no way obliged to go with the mortgage broker a real estate agent recommends, even if you buy your home with them.
Beyond standard mortgage clients, the mortgage brokers below all have experience with non-standard and 'complicated' client requests. This can include single-income, self-employed and foreign income situations.
Know this: It's important to remember you don't need to go with the first broker you talk to. More importantly, you’re in no way obliged to go with the mortgage broker a real estate agent recommends, even if you buy your home with them.
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Stephen Robertson - My MoneyMyMoney is operated by Stephen Robertson, who works with clients all over Auckland and has a trusted reputation, having helped 1,000+ Aucklanders arrange a home loan.
What customers like:
Services include but not limited to:
Google Rating: ~5/5 Address: 50 Remuera Rd, Remuera, Auckland Website: My Money Contact number: 09 377 4433 |
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mortgagehqmortgagehq has four highly experienced mortgage brokerage, backed by a team of settlement specialists and support staff. Unlike some other mortage brokers, mortgagehq isn't structured with commission, insurance and product sales as its first priority. Instead, the team deliver solutions that are backed up by interest rates that save clients money. Mortgagehq doesn't offer Kiwisaver investments either; instead it advocates not-for-profit and low fee provider Simplicity.
What customers like:
Services include but not limited to:
Google Rating: ~4.9/5 Address: The Promenade, Building Unit C9/1c Ara-Tai Road, Half Moon Bay, Auckland 2012 Website: mortgagehq Contact number: 0800 733 462 |
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Mike Whittaker MortgagesMike Whittaker Mortgages was founded in 2005 and operates with a team of three mortgage broker professionals. Today, the Parnell based business has strong relationships with all the major lending institutions.
What customers like:
Services include but not limited to:
Google Rating: 5/5 Address: 6a/114 St Georges Bay Rd, Parnell, Auckland Website: Mike Whittaker Mortgages Contact number: 0800 579 324 and 021 579 324 Email [email protected] |
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Kiwi MortgagesKiwi Mortgages is a team of four expert mortgage brokers and admin staff who work with clients all over Auckland, with a focus on South Auckland. Kiwi Mortgages has helped 1,000+ Aucklanders arrange a home loan.
What customers like:
Services include but not limited to:
Google Rating: ~5/5 Address: 116b, Cavendish Drive, Manukau City Website: Kiwi Mortgages Contact number: 0508 33 22 11 |
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Global Financial ServicesGlobal Finance is a South and West Auckland based mortgage brokerage, with a proven track record. Recent accolades include being the ANZ’s Top Mortgage Adviser of the Year 2012-2018, and ASB’s from 2014 to 2016.
What customers like:
Services include but not limited to:
Google Rating: ~4.8/5 Address: 19-22 / 203 Kirkbride Road, Airport Oaks, Auckland, with branches in Manakau and Henderson. Website: Global Finance Contact number: 09 255 5500 |
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Paulette Trotter - Loan MarketLoan Market employs many mortgage brokers, and Paulette Trotter is something of a shining star. Based in East Auckland, Paulette has 25+ years experience in the mortgage industry, and been employed by two major banks during this period.
What customers like:
Services include but not limited to:
Google Rating: ~5/5 Address: East Auckland Website: Paulette Trotter Contact number: 021 820 473 |
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Mortgage ManagersMortgage Managers is a small team of four mortgage brokers, working with clients in the North Shore.
What customers like:
Services include but not limited to:
Google Rating: ~5/5 Address: 124 Hobsonville Rd, Auckland Website: Mortgage Managers Contact number: 0800 100 939 |
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mortgagesonline.co.nzMortgages Online is a team of six Onehunga-based mortgage brokers, working with lenders such as ANZ, ASB, BNZ, Westpac, the Co-operative Bank and the SBS Bank.
What customers like:
Services include, but not limited, to:
Google Rating: ~5/5 Address: 1/11 Brays Rise, Onehunga, Auckland Website: Mortgages Online Contact number: 09 625 4693 |
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The Mortgage LabThe Mortgage Lab is a nationwide chain, with its Auckland office based in Takapuna. The team of six mortgage brokers work with clients all over Auckland.
What customers like:
Services include but not limited to:
Google Rating: ~5/5 Address: BHive Building, 72 Taharoto Rd, Takapuna, Auckland 0622 Website: The Mortgage Lab Contact number: See website, as brokers list directly |
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Squirrel Mortgage BrokersSquirrel is one of the largest mortgage brokers in Auckland, and has operated for 10+ years and organised over $4 billion in mortgages.
Services include but not limited to:
Google Rating: 4.8/5 Address: 38 College Hill, Freemans Bay, Auckland Website: Squirrel Contact number: 0800 21 22 30 |
MoneyHub's Top 3 Trusted Auckland Mortgage Brokers
- Our research highlighted three leading mortgage brokers who deliver results for their clients.
- We suggest contacting Mike Whittaker Mortgages, My Money and mortgagehq - our top three mortgage brokers have proven five-star reviews and have delivered outstanding results to Auckland residents just like you.
- Contacting a mortgage broker by phone is the best way to kick things off - you can explain your plans and hear how you can get the results you want.
- Advertising Disclosure: The three mortgage brokers appearing on this list have accepted MoneyHub's invitation for enhanced promotion, and pay for this service. We stand by their reputation and service, which we conclude as being excellent.
