Trusted Mortgage Brokers in Auckland
Get the money you need to buy your dream home in Auckland with help from a local mortgage broker
Updated 7 April 2022
Summary:
Our Auckland Mortgage Broker guide covers:
- 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.
Must-know facts
- 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.
MoneyHub's Top 10 Auckland Mortgage Brokers
Our list below 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.
Three Trusted Options:
Stephen Robertson - My Money
My Money 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: Level 1, 295 Parnell Road, Auckland
Website: My Money
Contact number: 09 377 4433
What customers like:
- Helps customers to understand the process of buying a house
- Quick to respond to any questions, and replies thoroughly
- Expertise in dealing with the bank and satisfying their risk assessments without having to get extra (costly) reports
- Personable, open and helpful
- Provides options and guides customers through the various mortgage proposals
Services include but not limited to:
- Home Loans
- Investment Property Loans
- Business Loans
Google Rating: ~5/5
Address: Level 1, 295 Parnell Road, Auckland
Website: My Money
Contact number: 09 377 4433
mortgagehq
mortgagehq 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
What customers like:
- One-stop shop for the best mortgage rates, including alternatives and pros and cons of each
- Fully committed to doing all the administration and back-end work, making the process so easy
- Hard working and determined to get the best rate at all times
- Quick to action, responsive to requests and perfect communication.
- Mortgage rollovers are effortless and hassle-free
Services include but not limited to:
- Home Loans
- Investment Property Loans
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
Mike Whittaker Mortgages
Mike 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]
What customers like:
- Mike and the team make sure clients do not over-commit themselves with sound advice
- Mike works the hard deals with the major banks
- No1 one in NZ for one major bank
- The team is honest and dedicated with every interaction
- Super helpful and super excited attitude about helping clients into their first home
- Contactable from 730am to 8pm
Services include but not limited to:
- First Home Buyers
- Re Finances
- Mortgage Restructure
- Investment Properties
- Commercial Properties
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]
Other Options:
Squirrel Mortgage Brokers
Squirrel 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
Services include but not limited to:
- First Home Buyers
- Moving House Loans
- Investing in Property Loans
- Construction Loans
- KiwiBuild Loans
Google Rating: 4.8/5
Address: 38 College Hill, Freemans Bay, Auckland
Website: Squirrel
Contact number: 0800 21 22 30
Global Financial Services
Global 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
What customers like:
- Excellent interest rates, with guidance on how to maximise savings before going ahead with a mortgage.
- Response and proactive in promptly arranging home loans offers.
Services include but not limited to:
- First Home Buyer Loans
- KiwiBuild Home Loans
- Mortgage Restructuring Loans
- Property Investment Loans
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
Paulette Trotter - Loan Market
Loan 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
What customers like:
- Reliable and dedicated, taking care of the hard work that comes with organising a mortgage
- Can help to transition clients from Auckland to properties in other cities or regions
- Fast pre-approval, followed by great rates from the banks
- Expertise in dealing with the bank and satisfying their risk assessments without having to get extra (costly) reports
- Talks with real depth knowledge and is always a phone call away
Services include but not limited to:
- Home Loans
- Investment Property Loans
Google Rating: ~5/5
Address: East Auckland
Website: Paulette Trotter
Contact number: 021 820 473
Mortgage Managers
Mortgage 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
What customers like:
- Reliable and dedicated, taking care of the hard work that comes with organising a mortgage
- Clear explanations, patience and responsive.
- Expertise in dealing with the banks, especially with complicated situations
Services include but not limited to:
- Home Loans
- Investment Property Loans
- Small Business Loans
Google Rating: ~5/5
Address: 124 Hobsonville Rd, Auckland
Website: Mortgage Managers
Contact number: 0800 100 939
mortgagesonline.co.nz
Mortgages 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
What customers like:
- Arranging a mortgage for a complicated situation, and beating the rates previously offered by banks
- Ability to negotiate excellent deals with a client's existing bank, preventing the need to switch banks
- Special circumstances, such as self-employment and rental property financing are dealt with patiently, with results that exceed expectations.
Services include, but not limited, to:
- First Home Buyer Loans
- Property Investment Loans
Google Rating: ~5/5
Address: 1/11 Brays Rise, Onehunga, Auckland
Website: Mortgages Online
Contact number: 09 625 4693
The Mortgage Lab
The 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 The Mortgage Lab's website, as brokers are listed directly
What customers like:
- Excellent service, with attention to details
- Prompt responses to questions, and a short wait for an approval
- Market-beating interest rate and cashback for some lenders
Services include but not limited to:
- First Home Buyer Loans
- Property Investment Loans
Google Rating: ~5/5
Address: BHive Building, 72 Taharoto Rd, Takapuna, Auckland 0622
Website: The Mortgage Lab
Contact number: See The Mortgage Lab's website, as brokers are listed directly
Kiwi Mortgages
Kiwi 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
What customers like:
- Mortgage brokers have extensive experience in the banking industry and offer invaluable expertise.
- Mortgage brokers who offer not only the best interest rate, but in some cases, cashback and very fast home loan approval to unconditional purchase.
- Continuous support and encouragement throughout the process
Services include but not limited to:
- Home Loans
- Investment Property Loans
- Business Loans
Google Rating: ~5/5
Address: 116b, Cavendish Drive, Manukau City
Website: Kiwi Mortgages
Contact number: 0508 33 22 11
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.
Related Mortgage and Home Loan Guides:
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