Connect with an award-winning mortgage broker in Auckland.

It’s easier to navigate the Auckland property landscape when you have an expert on your side.

We only work with the best mortgage brokers in Auckland.

We are uniquely positioned to offer you access to a network of award-winning advisers who represent the very best of the New Zealand mortgage advice sector. We handpick our panellists from the top performing mortgage companies nationwide.

Whether you’re buying your first home, next home, investment property or looking to refinance an existing loan, one of our award-winning mortgage advisors can help.

Getting a mortgage is a big deal that comes with so many questions to navigate. Where do you go to find the best lender for your circumstances? What criteria will you have to meet? What’s the best mortgage structure? Whether to fix or float? When and how do you apply?

Fortunately, mortgage brokers (aka advisors) have many of the answers.

After discussing your income, size of your deposit and whether you’re buying an existing home, new-build or an apartment, your advisor will be able to draw up a shortlist of suitable options. Along with this list they will guide you throughout the journey with professional advice to help you make an informed decision.

Meet our panel of expert mortgage brokers

The qualified financial advisers on our panel have demonstrated their excellence over the years, and are recognised for consistently helping their clients into new properties.

Bruce’s Tip:

“Working with a broker is like shopping around for a loan, without all the legwork. You get the benefit of our comprehensive knowledge of the loan market, which saves time and effort.”

Bruce Patten, Auckland

Bruce is one of the most experienced mortgage brokers in Auckland. All up, he’s written more than $1billion in home loans for Auckland property owners. Bruce works under the umbrella of brokerage firm Loan Market and has been their leading broker in Australasia for 10 years. He has been named NZMBA (New Zealand Mortgage Brokers Association) Broker of the Year for Greater Auckland many times. Before becoming a mortgage broker, Bruce was national sales manager for Westpac New Zealand.

Bruce’s speciality is helping buyers to finance properties in East Auckland, an area that includes Orakei, Mission Bay, Kohimarama, St Heliers, Glendowie, St Johns, Stonefields, Meadowbank, Wai-O-Taiki Bay, Panmure and Glen Innes. East Auckland also includes Howick, Pakuranga, Half Moon Bay and Botany Downs.

“I pride myself in exceeding customer expectations. I work on the principle that if I manage the detail, then it simplifies the experience for you. I’ll communicate with you on time, every time, so your property transaction becomes the pleasurable new project it should be.”

As an Auckland mortgage broker, Bruce works with the full spectrum of property buyers – from wealthy property investors to people who are buying their first home. His clients find his advice and service hugely helpful for navigating Auckland’s property and loan market.

Cameron Marcroft, Auckland Central

Cameron has been working in the financial services industry since he left university in 1999. With more than two decades of experience under his belt, he’s adept at helping his clients get the best loan offers from the largest selection of leading banks and lenders.

Cameron is part of the Loan Market team and Central Auckland is his territory. This region of the city includes Avondale, Mt Roskill, Mt Eden, Grey Lynn, Ponsonby, Onehunga, Epsom, Greenlane, Newmarket, Remuera and Mount Wellington.

“Every day I get to help people navigate the home loan landscape successfully, so that they can achieve their property ambitions. That might be securing the right family home in their preferred school zones, nabbing an inner-city apartment or adding to an investment portfolio. I love my work, because it helps to make dreams come true.”

When he’s not helping people to buy houses and land, Cameron makes the most of Auckland life with his wife and two kids. He’s a devoted follower of the All Blacks and Black Caps.

Cam’s Tip:

“Some lenders give you the flexibility of bumping up your repayments when you can, then turning them back down again when money gets tighter. This strategy can work well if your income fluctuates during the year.”

Karen’s Tip:

“Look for a mortgage broker who works with a lot of lenders, not just one or two. To get the best deal, you need to cast your net as wide as possible.”

Karen Tatterson, Auckland

Based in Howick, Karen is famous for her commitment to exceptional service. She has a loyal following of repeat customers, who appreciate how she keeps in touch with them about expiring loans, fixed rate rollovers and other factors that are important for effective mortgage management. Most of the time Karen visits clients at their place, which makes the process of arranging a mortgage so much easier.

Karen’s experience with mortgages goes back more than two decades. From a background in sales and marketing, she trained as a mobile mortgage manager with the BNZ. Her connection with helping people into the right loan solution was immediate, however she found that working for a bank restricted the service she could provide to clients. Karen recognised that an ideal situation involved being able to offer a range of deals from a range of lenders, so in 2006 she became an independent mortgage broker with Loan Market.

“I like to keep my finger on the pulse, so every week I make time to meet with real estate agents, solicitors and registered valuers. I also attend regular business meetings to share market updates, new products, specials being launched and properties suitable for investors.”

In addition to the Howick/Botany area, Karen works with people in Dannemora, Pakuranga, Botany, Manukau Heights, Beachlands, Maraetai, Whitford, Clevedon, Manurewa and surrounding areas.

Linda Eagleton, Auckland

Linda is known for five-star service and a practical, down-to-earth approach to the challenge of property finance. She helps her clients to fully understand the process of structuring a loan, choosing a lender and getting an application together. Whether you’re a first-time buyer or a seasoned property investor, you can trust Linda to keep you in the loop at all times and work hard to get you the best deal.

Before becoming an independent mortgage broker, Linda was a branch manager at ANZ and National Bank, then a mobile mortgage manager for Kiwibank. She’s been providing qualified financial and mortgage advice since 1987.

“As your adviser you can expect me to work with you for the life of your mortgage. I begin by understanding your financial goals and plans, then I recommend solutions to help you achieve them. As your situation changes I’ll continue to review your mortgage structure to ensure it remains suited to your current needs.”

Linda serves East Auckland, South Auckland, Pukekohe and Waiuku. She also has clients all around the country, because the mortgage broking process can easily be managed with phone, email and video calls.

Linda’s Tip:

“Remember that it’s OK to negotiate with banks and other major lenders. You can do this confidently when you have a mortgage broker on your side.”

Logan’s Tip:

“While a revolving credit loan can seem convenient, it could come back to bite you if your goal is to become mortgage-free as quickly as possible.”

Logan Reardon, West Auckland

Originally a police constable, Logan is driven to provide excellent service to a broad range of clients. His background also includes fitness coaching, so he has the energy and focus required to achieve the best-possible outcome for everyone he works with.

Since 2019, when he became a mortgage adviser, Logan has journeyed rapidly to the top of his new profession. He’s earned multiple awards and has been named an elite adviser by Loan Market. This quick climb to fame can be attributed to the effort and thought Logan puts into his work as an independent home loans specialist.

Whether you’re a first home buyer, investor or developer, you can expect a high level of service from Logan. His aim is to make the process of loan planning, structuring, approval and implementation as easy as possible, even in economic environments where it’s harder to get the loan you need. Once you’re on board with Logan, you can trust that he’ll be there for you in the future. Loan reviews, restructuring and refinancing are all part of the service going forward.

“Having bought homes, gone through the building process and owned a number of investment properties, I know how stressful getting a mortgage can be. I have helped hundreds of people with their loans – whether it’s a simple purchase or more complicated development – and taken the stress off them. With my help I can make owning your first home or investment property easier by giving you the best advice and helping to put your plans into action.”

Nick Kotze, Auckland

Helping people to find the mortgage that best suits their situation and goals is Nick’s burning passion. Since he started as a mortgage broker in 2010, he’s helped hundreds of Aucklanders to finance their property dreams. In addition to being a mortgage broker, Nick is also a financial adviser specialising in investment, so he has a holistic view of wealth creation that his clients find really useful.

For five consecutive years, Nick has been recognised by NZ Adviser as a Top 10 Adviser. He has also been named in the Loan Market Top 10. For 2020/21 he achieved Platinum Elite, Chairman’s Club and Platinum Customer Satisfaction awards. These achievements recognise Nick’s integrity, high standards and commitment to results.

As well as loans for residential properties, Nick can help with low doc loans, mortgage structuring, rates negotiation, refinancing and self-employed finance solutions.

“Buying a home is an exciting process, but you need to be prepared. Arranging finance first helps you set your own limit and better positions you for a successful negotiation. I will help you compare home loans to find the most competitive offer for your finance needs and unique lifestyle. Having access to a variety of lenders and finance companies creates natural competition and ensures we get finance that is in your best interest.”

Nick’s Tip:

“Banks aren’t the only lending options out there. Non-bank lenders should be considered, especially if your usual bank has said ‘no’.”
WHY WAIT?

Connect with your expert Auckland mortgage broker today!

Why use an award-winning mortgage broker?

A mortgage broker has a deep understanding of the mortgage market, the lenders, current interest rates and of course the fine print. Working with you to identify your situation, an advisor can quickly ascertain which lenders and mortgage deals will be the most appropriate for you and your circumstances.

Extensive mortgage knowledge and experience

A good mortgage broker has a detailed understanding of the latest home loan products, interest rates, customer incentives and application approval criteria from multiple banks and non-bank lenders. They also know how to structure a mortgage, using combinations of home loan types and interest rate terms, to suit your financial situation, risk appetite and future goals. And because an award-winning broker arranges so many mortgages, they often have time-saving direct relationships with dedicated people at each lender.

It’s usually free of charge

You get this high level of knowledge, expertise and representation on your side and it usually costs you nothing. That’s because a broker is paid a commission by the lender you eventually decide to go with. If a broker puts a lot of time into securing something for you (like pre-approval), but you don’t proceed, they might charge you a fee because the lender won’t have paid them anything. A good broker will disclose any possible charges like these at your first meeting, before you agree to work with them. If they don’t, be sure to ask.

You could manage your mortgage better for decades to come

Beyond helping you to choose a smart mortgage structure and negotiating competitive rates on your behalf, a good mortgage broker sets you on a path of better financial behaviours for decades to come. They’re there to help with regular reviews of your mortgage or when changes are required due to unexpected events. An independent survey of 2,000 Kiwis showed that people who get professional financial advice use a wide range of good strategies more often than those who don’t.

What’s the process of working with a broker?

Here’s an example of what typically happens when you choose to work with a mortgage broker.

Initial meeting

This is a chance to gather information, get to know each other and make a decision on whether to take things further. The broker will ask about your income, deposit, typical monthly expenditure and existing debts. They’ll probably give you a rough idea of how much you might be able to borrow and may provide some tips on how to improve your chances.

Proposed mortgage options

Armed with a good understanding of your situation, a good broker will recommend a few mortgage structure options and explain them to you. This will usually include a few recommended lenders for you to choose from.

Prepare and lodge a mortgage application

Once you’ve chosen a mortgage structure and lender, your broker will help you to complete a strong application and make sure all the required documents are included to avoid unnecessary delays.

Application assessment by lender

The lender will:

  • Verify your employment, income and expenditure
  • Check your credit score to get an idea of how well you manage money
  • Decide whether you can afford the mortgage you’ve requested

Pre-approval

If your application meets the lender’s criteria, they’ll let your broker know that you have pre-approval, also known as conditional approval. This will include anything you need to get in place for the lender to give you unconditional or full approval. Once you find a property to buy, the lender will probably want a registered valuation done.

Full approval

If the lender is prepared to provide a mortgage for the property, they’ll send your broker a letter of offer. This is a legal document and once you sign it you have to ‘draw down’ the loan within a specified time.

Settlement

Your lawyer or conveyancer will work with your lender to arrange ‘settlement’, which means payment in full to the seller’s lawyer on the agreed date. Your broker will be available to assist if required.

Ongoing support

A good mortgage broker will work alongside you throughout the process, keeping you informed of progress and helping to sort any unexpected problems. They’ll also continue to be there whenever your fixed interest rate terms end, your financial situation changes or you want to buy another home.

What to ask your mortgage broker?

A broker will expect you to check them out during your first meeting. They understand how important getting the right mortgage can be for you.

Here are some questions you might want to ask.

  • How long have you been a mortgage broker for?
  • What do you like most about their job?
  • How many clients in my situation have you helped into a mortgage in the last few months?
  • What lenders are you accredited with?
  • Which lenders offer you the most commission?
  • What percentage of the mortgages you arrange are with the highest paying lender?
  • What’s your usual process and who does what?
  • How long does mortgage approval usually take?
  • What fees could you charge me?
  • What happens if I don’t go ahead with any mortgage options you recommend?
  • Is it OK if my lawyer checks your broker agreement before I sign up?

Once you’ve decided to proceed with a broker, you should continue to ask questions about anything you don’t understand. A broker is there to understand your needs and make recommendations, not tell you what to do or make decisions for you. It’s your future at stake and you will be responsible for the mortgage repayments, so it pays to know exactly what you’re taking on and why.

How much does a mortgage broker in Auckland cost?

Mortgage brokers are usually paid a commission by the lender you eventually choose to sign up with. It’s compensation for all the work the broker has done, such as understanding your needs, explaining recommended options, gathering documentation and ensuring your application is complete. That means there’s usually no charge to you for a broker’s services.

However, a broker isn’t paid by a lender until you draw down a mortgage they’ve helped to arrange. So, if a broker has put a lot of work into helping you through to the pre-approval stage, but you don’t proceed, the lender won’t pay them anything. Sometimes, in these situations a broker will charge you a fee for their time. Any possible charges like this should always be explained to you before you sign up with a broker. If they aren’t explained, be sure to ask before signing anything.

There’s certainly no charge to use our find an expert broker service and your initial consultation with these brokers will always be free, no matter what you decide to do after that.

Auckland mortgage broker FAQs.

Our expert adviser service has been carefully constructed to save you time, stress and hassle. If you’d like to dig deeper into how the service works, we recommend reading these questions and answers.

Usually there is very little difference at all. Both words are used for the same thing. The term adviser is preferred by many brokers these days. That’s because it refers to the part of their service where they provide mortgage recommendations based on their extensive knowledge, understanding of your situation and future goals. A broker is the more traditional term and refers more to negotiating (brokering) the best deal they can for you. Broker is probably still the most commonly used term by the general public, even though they’re officially known and registered as financial advisers.

A good mortgage broker, anywhere in New Zealand, will understand the latest products and special offers from multiple banks and non-bank lenders. They can draw on this knowledge to recommend and negotiate some of the best deals for your situation. Switching lenders can sometimes be inconvenient for you, so a good broker will include your current lender in the options they explain to you, if that’s what you’d prefer. There’s normally no charge to use a broker, because they’re paid by the lender you eventually choose. It’s the lender’s way of compensating brokers for the work they’ve done for you, which the lender now doesn’t have to do.
Any good broker will help you prepare a strong application and can coach you on ways to improve your chances of getting the mortgage you want. Sometimes that means taking the time to put a few things right before you apply, such as repaying some debt or cancelling an overdraft or credit card you’re not using. They’ll also understand each lender’s application assessment criteria, so may be able to negotiate a better deal for you with a particular lender. That might have to be a non-bank lender that charges a higher interest rate initially, until you’re in a better financial position. But a broker can only work within all the lenders’ rules, so don’t expect miracles, just the best possible deal for you at the time.
Usually there is very little difference at all. Both words are used for the same thing. The term adviser is preferred by many brokers these days. That’s because it refers to the part of their service where they provide mortgage recommendations based on their extensive knowledge, understanding of your situation and future goals. A broker is the more traditional term and refers more to negotiating (brokering) the best deal they can for you. Broker is probably still the most commonly used term by the general public, even though they’re officially known and registered as financial advisers.
A good mortgage broker, anywhere in New Zealand, will understand the latest products and special offers from multiple banks and non-bank lenders. They can draw on this knowledge to recommend and negotiate some of the best deals for your situation. Switching lenders can sometimes be inconvenient for you, so a good broker will include your current lender in the options they explain to you, if that’s what you’d prefer. There’s normally no charge to use a broker, because they’re paid by the lender you eventually choose. It’s the lender’s way of compensating brokers for the work they’ve done for you, which the lender now doesn’t have to do.
Any good broker will help you prepare a strong application and can coach you on ways to improve your chances of getting the mortgage you want. Sometimes that means taking the time to put a few things right before you apply, such as repaying some debt or cancelling an overdraft or credit card you’re not using. They’ll also understand each lender’s application assessment criteria, so may be able to negotiate a better deal for you with a particular lender. That might have to be a non-bank lender that charges a higher interest rate initially, until you’re in a better financial position. But a broker can only work within all the lenders’ rules, so don’t expect miracles, just the best possible deal for you at the time.
If you work with two brokers at the same time for the same property, but choose a deal from only one of them, the broker you let down might charge you a fee. A better approach is to choose a respected, expert broker and build a relationship that could last for decades.

No, mortgages.co.nz simply provides information to help Kiwis understand the options before seeking professional advice. That’s why we also provide a free find an expert broker service that connects you with a registered mortgage broker from our panel of independent award-winning specialists around New Zealand.

Wherever you live, you have two options. You can simply request a call back for a quick chat or use our online questionnaire, which speeds things up by guiding you through the initial information a broker will need. If that information indicates you might be eligible for a mortgage, we’ll match you with an expert broker straight away and share your information with them. This will get your first meeting off to a productive start. If your information suggests your mortgage application is unlikely to be successful at this time, we’ll provide you with some educational material to help you improve your chances. Once you’ve had time to absorb that material, we’ll connect you with an expert broker who’ll be happy to work with you as a coach on your home loan journey.

If you work with two brokers at the same time for the same property, but choose a deal from only one of them, the broker you let down might charge you a fee. A better approach is to choose a respected, expert broker and build a relationship that could last for decades.

No, mortgages.co.nz simply provides information to help Kiwis understand the options before seeking professional advice. That’s why we also provide a free find an expert broker service that connects you with a registered mortgage broker from our panel of independent award-winning specialists around New Zealand.

Wherever you live, you have two options. You can simply request a call back for a quick chat or use our online questionnaire, which speeds things up by guiding you through the initial information a broker will need. If that information indicates you might be eligible for a mortgage, we’ll match you with an expert broker straight away and share your information with them. This will get your first meeting off to a productive start. If your information suggests your mortgage application is unlikely to be successful at this time, we’ll provide you with some educational material to help you improve your chances. Once you’ve had time to absorb that material, we’ll connect you with an expert broker who’ll be happy to work with you as a coach on your home loan journey.

Related articles and resources.

Visit our Learning Centre for helpful guides, mortgage insights and the latest market news, including articles by leading independent economist Tony Alexander. Whether you are preparing for your first home, reviewing your mortgage or planning to invest in an additional property, we have a range of articles and guides to help you achieve your goal.
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