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Best Christchurch Mortgage Brokers (2026)

​Our trusted list of mortgage brokers covers Christchurch and the surrounding Canterbury regions
Updated 17 June 2026
  • 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. Dozens are working all over Christchurch, 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 Christchurch Mortgage Broker guide covers:​​​​
​Important: Are you ready for a mortgage?
Our friends at LifeDirect Mortgages have a useful Mortgage Potential Calculator that gives you a clear snapshot of your borrowing ability in just a few clicks. Whether you're looking for a first home, refinance, moving home or an investment property mortgage, simply enter a few details, and you'll see:
  • Your estimated borrowing amount
  • Monthly, fortnightly, and weekly repayments
  • Your deposit and income breakdown
  • Tips to improve your mortgage readiness

It's easy to use, with clear visuals to help you understand your position. You do not need to enter any personal information.​​

Know This First: The Process of Working with a Mortgage Broker

  1. 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.
  2. 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.
  3. 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.
  4. 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:
MoneyHub's Top Three Trusted Christchurch Mortgage Brokers
  • Through careful research, we've identified three long-standing and trusted mortgage brokers renowned for delivering exceptional results to their clients in Christchurch. We recommend contacting The Mortgage Girls, Duane Aarts - Canterbury Home Loans and/or Mortgage Group. These brokers have obtained consistent five-star reviews and demonstrated a track record of outstanding service to residents like you.
  • Why Contact a Mortgage Broker? The most effective way to begin is to contact a mortgage broker directly by phone. This allows you to discuss your financial goals and learn how their expertise can help you achieve the results you're looking for.
  • Advertising Disclosure: Please note that the three mortgage brokers featured in this guide have participated in MoneyHub's enhanced promotion program and compensate us for this service. Despite this, we commit to shortlisting only those whose services we have thoroughly vetted and deemed excellent.

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 Christchurch, you can get comfortable by asking two essential questions: 
  1. 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. 
  2. 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.

Christchurch Mortgage Brokers - 5 Things to Know Upfront

  1. 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.
  2. 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. 
  3. 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.
  4. 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.
  5. Many banks promote mortgage deals with free holidays, cashback and various other perks if you go with them direct. If you go with a mortgage broker, you won't receive these perks.
MoneyHub's Top Three Trusted Christchurch Mortgage Brokers
  • Through careful research, we've identified three long-standing and trusted mortgage brokers renowned for delivering exceptional results to their clients in Christchurch. We recommend contacting The Mortgage Girls, Duane Aarts - Canterbury Home Loans and/or Mortgage Group. These brokers have obtained consistent five-star reviews and demonstrated a track record of outstanding service to residents like you.
  • Why Contact a Mortgage Broker? The most effective way to begin is to contact a mortgage broker directly by phone. This allows you to discuss your financial goals and learn how their expertise can help you achieve the results you're looking for.
  • Advertising Disclosure: Please note that the three mortgage brokers featured in this guide have participated in MoneyHub's enhanced promotion program and compensate us for this service. Despite this, we commit to shortlisting only those whose services we have thoroughly vetted and deemed excellent.
​

Trusted Christchurch Mortgage Brokers Available Right Now

​Our list below covers Christchurch and the surrounding Canterbury regions. We have selected these based on their history of longstanding service within Christchurch, 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.

The Mortgage Girls

The Mortgage Girls was established in 2015 with a vision to help make home buying dreams come true for everyday New Zealanders. The team of three has a wealth of experience in banking and finance, with professionals who have delivered fantastic results to homeowners all over Christchurch. Their 70+ 5-Star Facebook reviews indicate their recent success. 

​What customers like:​
  • They kept fighting for our mortgage, and encouraging us that nothing is ever impossible.
  • They deliver what they say, meaning homeownership is more than possible. 
  • The girls organise all the paperwork, and are happy to answer every question big and small.
  • Responsive and proactive in promptly arranging home loans offers

​​Services include but not limited to:  
  • First Home Buyers
  • New Build
  • Investing
  • Commercial

​Google Rating: ~4.8/5
Address:  174 Huxley Street, Sydenham, Christchurch 8023
Website: The Mortgage Girls
Contact number: 0800 864 864​

Duane Aarts - Canterbury Home Loans

Duane Aarts - Canterbury Home Loans
  • Duane is well known as a First Home Buyer specialist in Christchurch.
  • With more than 25 years of banking and home lending experience, Duane Aarts helps first-home buyers, home owners and property buyers navigate the mortgage process with confidence.
  • Duane helps clients understand lender requirements, compare lending options and make informed property decisions, drawing on extensive experience across banking and home lending.

What customers appreciate:
  • In-depth knowledge and guidance throughout the home buying process.
  • Clear communication, simplifying complex mortgage concepts for easy understanding.
  • Direct access to the same adviser from initial enquiry through to settlement.
  • Access to more than 20 New Zealand banks and lenders to help compare options.

Services Offered:
  • First Home Buyers
  • Home Loan Pre-Approvals
  • New Build Finance
  • Mortgage Refinancing Solutions

Client Satisfaction:
Google Rating: 5/5, based on more than 125 Google reviews.

Contact Information:

Mortgage Group

Mortgage Group was established in 2017 and is based in Christchurch. Martin works with a range of banks and lenders across New Zealand to help clients find suitable mortgage options.

What customers say:
  • Made the mortgage process simple and explained things clearly
  • Kept us informed throughout and was easy to deal with
  • Responsive and proactive with paperwork and timelines

​Services include:
  • First Home Buyers
  • Investment
  • Refinancing
  • New Build

Google Rating: 4.9/5 (300+ reviews)
Address: 171 Victoria Street, Christchurch 8013
Website: www.mortgagegroup.co.nz
Contact: 027 526 0007

Other Options:

LifeDirect Mortgages

​LifeDirect Mortgages was launched in October 2024 and operates with a team of eight experienced mortgage advisers, many of whom joined from Loan Market Capital & Coast. Based in Wellington but servicing clients nationwide, LifeDirect Mortgages is part of LifeDirect, a trusted insurance adviser specialising in life and health-related insurance products. Our review of LifeDirect Mortgages explains more about their offering.

​What customers like:
  • Dedicated advisers who offer tailored solutions and ongoing support
  • Strong relationships with all major banks and non-bank lenders
  • A holistic approach combining mortgage advice with insurance options
  • Easy, technology-driven application processes
  • Flexible meeting options, including evenings Monday to Thursday

​Services include but are not limited to:
  • First Home Buyers
  • Refinancing
  • Mortgage Restructure
  • Investment Properties
  • Commercial Lending

Address: Christchurch and Nationwide 
Website: LifeDirect Mortgages
Contact number: 0800 562 665

Tony Mounce Mortgages & Insurance

Tony Mounce Mortgages & Insurance is a sizeable Riccarton-based mortgage broker working with clients in Christchurch and around New Zealand. Since launching Tony Mounce Mortgages & Insurance in 2009, the team has grown to include 20+ knowledgeable, experienced insurance advisers.

What customers like:​
  • Personal service, offers a range of insurance solutions, responsive and excellent communication. 

Services include but not limited to:  
  • Home Loans
  • Investment Property Loans
  • First Home Buyers

Google Rating: ~5/5 
Address: 1 Rimu Street, Riccarton, Christchurch 8041
Website: Tony Mounce
Contact number: 03 365 8625 or 0800 668 623

Antonia McAtamney - Loan Market

Loan Market employs many mortgage brokers, and Antonia McAtamney is one of the highest-rated in Christchurch having worked for Loan Market since 2013. 

What customers like:​
  • Makes the mortgage process seamless and secures highly competitive first home mortgage rates
  • Makes everything straightforward and happy to explain all the banking terms that can seem like a foreign language
  • Maintains strong lines of communication at each stage of the home loan application, pre-approval and approval stage

Services include but not limited to:  
  • Home Loans
  • Investment Property Loans
  • First Home Buyers

​​Google Rating: ~5/5 
Address: 21 Humphreys Dr, Woolston, Christchurch 8023
Website: Antonia McAtamney
Contact number: 021 469 244​
​

Daniel Kuo - Mortgage Adviser at Squirrel

With almost a decade of experience in the mortgage industry, Daniel Kuo is a seasoned mortgage adviser dedicated to helping clients navigate the complexities of home financing. Daniel emphasises a personalised approach, ensuring that each client’s financial needs are met with expertise and care.

What customers like:
  • He is highly rated for his thorough understanding of the mortgage landscape.
  • Known for a client-focused approach, ensuring that the mortgage process is transparent and tailored to individual needs.
  • Praised for responsiveness and providing clear, helpful answers to all client questions.

Services include but are not limited to:
  • Mortgages for First Home Buyers
  • Financing for Investment Properties
  • Loans for Home Renovations
  • Reverse Mortgages / Equity Release
  • Refinancing Options
  • Construction and Turn Key Build Loans

Google Rating: 5.0/5
Address: Ground floor/575 Wairakei Road, Burnside, Christchurch 8053, New Zealand
Website: Squirrel
Contact Number: 021 293 1678
Opening Hours: 9am to 5pm Monday to Friday
Disclaimer: Specific services will vary, as will home loan financing deals. Our guide is for informational purposes only.
MoneyHub's Top Three Trusted Christchurch Mortgage Brokers
  • Through careful research, we've identified three long-standing and trusted mortgage brokers renowned for delivering exceptional results to their clients in Christchurch. We recommend contacting Mortgage Group, The Mortgage Girls and/or Duane Aarts - Canterbury Home Loans. These brokers have obtained consistent five-star reviews and demonstrated a track record of outstanding service to residents like you.
  • Why Contact a Mortgage Broker? The most effective way to begin is to contact a mortgage broker directly by phone. This allows you to discuss your financial goals and learn how their expertise can help you achieve the results you're looking for.
  • Advertising Disclosure: Please note that the three mortgage brokers featured in this guide have participated in MoneyHub's enhanced promotion program and compensate us for this service. Despite this, we commit to shortlisting only those whose services we have thoroughly vetted and deemed excellent.

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