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Find a Mortgage Broker in Wellington

Get the money you need to buy your dream home in Wellington with help from a local mortgage broker.
Updated 23 May 2025
  • 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 Wellington, 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 Wellington 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 Trusted Wellington Mortgage Brokers
  • ​Our rtesearch highlighted two leading mortgage brokers who deliver results for their clients.
  • We suggest contacting Jo Vivian and Dawn Whiteside; together, their five-star reviews and trusted reputation comes from a history of delivering outstanding results to Wellington residents.
  • Contacting Jo Vivian, Dawn Whiteside or any other mortgage broker is best done by phone - you can explain your plans and hear how their services can help get the results you want.
  • Advertising Disclosure: The 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.

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 Wellington, 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.

Wellington 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 Trusted Wellington Mortgage Brokers
  • ​Our rtesearch highlighted two leading mortgage brokers who deliver results for their clients.
  • We suggest contacting Jo Vivian and Dawn Whiteside; together, their five-star reviews and trusted reputation comes from a history of delivering outstanding results to Wellington residents.
  • Contacting Jo Vivian, Dawn Whiteside or any other mortgage broker is best done by phone - you can explain your plans and hear how their services can help get the results you want.
  • Advertising Disclosure: The 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.
​

Trusted Wellington Mortgage Brokers Available Right Now

​Our list below, covers Wellington, Upper Hutt, Lower Hutt, Porirua, Kapiti Coast, the Wairarapa and regional Wellington areas. We have selected these based on their history of longstanding service within Wellington, 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.

Jo Vivian- LifeDirect

LifeDirect employs many mortgage brokers, and Jo Vivian leads in the Hutt Valley. Jo has a wealth of experience and favours structuring home loans so homeowners can repay it as fast as possible.

​What customers like:​
  • Nothing is a problem, and you feel at total ease throughout the process
  • An absolute genius that saves you lots of money

​​Services include but not limited to:  
  • First Home Buyer Loans
  • Mortgage Restructuring Loans
  • Property Investment Loans

​Google Rating: ~5/5 
Address: 284 Jackson St, Petone​
Website: LifeDirect - Jo Vivian
Contact number: 021 204 8816​

Dawn Whiteside - LifeDirect

LifeDirect's Dawn Whiteside brings a wealth of experience and insightful knowledge to deliver the best results for her Wellington clients.

​What customers like:​
  • Seamless experience, from start to finish, where nothing is a problem
  • Wonderful negotiations with lenders which saves money from day one
  • Can-do attitude that is backed up by better-than-imagined results

​​Services include but not limited to:  
  • First Home Buyer Loans
  • Mortgage Restructuring Loans
  • Property Investment Loans

​Google Rating: ~5/5 
Address: 284 Jackson St, Petone
Website: LifeDirect - Dawn Whiteside
Contact number: 0210 244 9851

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

Bernadette Huynen - Loan Market

Loan Market employs many mortgage brokers, with Bernadette looking after clients in the Hutt Valley and Wellington.

What customers like:​
  • Great advise on the best loan structure and a consistently prompt service
  • Knows the market and provides useful information to make the process smooth

Services include but not limited to:
  • First Home Buyers Home Loans
  • Refinancing Property Loans
  • Self Employed Home Loans

​​Google Rating: ~5/5 
Address: 22 Kings Crescent, Lower Hutt, Wellington 5010
Website: Loan Market - Bernadette Huynen
Contact number: 022 303 7214

Velocity Financial

Velocity Financial is a Wellington-based financial-services provider with a team of 17. As well as mortgage broking, they provide insurance, KiwiSaver, financial planning and investment services. ​

What customers like:​
  • The brokers make sense of the whole banking market and find you the best deal
  • Clear explanations, patient, transparent and supportive, all while keeping clients informed every step of the way
  • Ability to push the banks to get approvals at the lowest interest rate

​​Services include but not limited to:  
  • Home Loans and refinancing
  • Insurance, KiwiSaver, financial planning and investment services.

​Google Rating: 5/5 
Address: 38 Vivian St, Te Aro, Wellington 6011​
Website: Velocity Financial
Contact number: 0800 448 879

Michael Anastasiadis at Bozinoff Mortgages

Michael Anastasiadis is a Mortgage Adviser at Bozinoff Mortgages, and leads the way with many happy homeowners all over Wellington.

​What customers like:​
  • Professional, thorough, brilliant communication, informative, honest and supportive throughout the whole process
  • Each step is explained in detail, always happy to answer questions
  • Persistently chasing banks to deliver on time
  • Ability to secure mortgages with 10% deposits

​​Services include but not limited to:  
  • First Home Buyers
  • Mortgage Restructure

​Google Rating: 4.9/5
Address: 28 Dundas St, Seatoun, Wellington 6022
Website: Michael's website and Bozinoff Mortgages ​
Contact number: 021 757 269

Squirrel (formerly The Home Loan Shop)

Squirrel is arguably one of most well-regarded mortgage brokerage in New Zealand, with hundreds of 5-star reviews from homeowners.  The service is personal from start to finish, intending to make the home buying process as smooth and stress-free as possible. It's a long-established Wellington company with seven proven professionals.

What customers like:​
  • Helps customers to understand the process of buying a house and keep things on track
  • Quick to respond to any questions, and replies thoroughly
  • Good advice, super-fast response, clear guidance and no surprises from the first contact to settlement
  • Offer useful information about the process of buying a house.

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

​​Google Rating: 4.9/5 
Address: 34 Manners St, Te Aro, Wellington and 122 Queens Drive, Lower Hutt​
Website: Squirrel
Contact number:  04 384 5700
​MoneyHub's Trusted Wellington Mortgage Brokers
  • ​Our rtesearch highlighted two leading mortgage brokers who deliver results for their clients.
  • We suggest contacting Jo Vivian and Dawn Whiteside; together, their five-star reviews and trusted reputation comes from a history of delivering outstanding results to Wellington residents.
  • Contacting Jo Vivian, Dawn Whiteside or any other mortgage broker is best done by phone - you can explain your plans and hear how their services can help get the results you want.
  • Advertising Disclosure: The 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.

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