Amelia WilliamsAccording to REINZ, average housing prices in Auckland dropped to $790,000 in 2023. Despite the drop, buying a home in Auckland is still relatively expensive after average mortgage loan rates rose 2% that same year.
Still, buying a new home is not entirely impossible. Finding a proper mortgage loan with the help of the best mortgage brokers in Auckland will set you on track to purchasing your dream home within your means.
So, if you’re looking to get the keys to a new place, we selected the best firms to ask for financial advice and mortgage assistance!
| How much does hiring a mortgage broker in Auckland cost? Mortgage brokers in Auckland don’t charge clients directly but usually get commission of 1% to 3% of the total loan amount from either the lender or borrower. Interest rates will vary depending on the bank or lender of your choice. Your chosen mortgage broker will help you find the most suitable rates and loan structures for your budget and spending habits. |
- How We Chose
- 1. Global Finance New Zealand
- 2. Rakesh and Era Bansal – Kiwi Mortgages
- 3. Mikey Smith – Guardian Smith Mortgage and Financial Services
- 4. Vins Grover – The Mortgage Hero
- 5. Nicola Greene – The Mortgage Supply Co
- 6. Nick Coyle Mortgage Specialist
- 7. The Mortgage and Loan Guru
- 8. Oliver Broomfield Mortgage & Insurances
- 9. Mint Financial
- 10. Benchmark Mortgages
- 11. Paulette Trotter
- 12. Jenny Aitken Mortgages
- 13. David Cunningham – Squirrel Mortgages and Investments
How We Chose
1. Global Finance New Zealand
Address: 103 Lincoln Road, Henderson, Auckland 0610, New Zealand (Google Maps)
Contact Details: +6498365555
Operating Hours: Monday to Friday, 9:00 am to 6:00 pm, Saturday, 11:00 am to 4:00 pm
Founded in 1999 by Ajar Kumar, a seasoned finance manager for major banks in New Zealand, Global Finance emerged from his desire to extend banking expertise to Kiwis seeking their first homes.
With over 20 years of finance experience, Ajar aimed to empower home buyers through his mortgage firm.
Since its founding, Global Finance has managed over 1,500 clients and over $13 billion in mortgage and insurance cover.
Aside from helping first-time home buyers, Global Finance’s services also include commercial loans, business loans, refinancing, construction loans, property investment counselling, and debt consolidation.
Clients can avail of financial advice, loans at lower interest rates, application assistance, and franchise counselling for small to medium business owners.
You can book a consultation online or visit any of their 5 branches across Auckland.
Pros
- Best for first-time home buyers
- Multiple branches across Auckland
Cons
- Complaints about unresponsiveness
- Complaints about turning away applicants
Customer Reviews
Seamless loan processes
“We have been with Global finance for some years and would like to specially mention Parveer Singh from the Henderson branch for his help and guidance. He always works out the best possible options and explains them with clarity, he is very courteous and prompt in responding to all our queries, and makes whole process very easy and seamless for us. The Insurance team at Global Finance is also very helpful and want to mention Japit Patel for review and guidance on the policies.
Thank you Global Finance and we highly recommend your services.”
-Ms. Purnima Chavan, Google Review
Professional team of mortgage brokers
“Every member is very professional and very easy to deal with. Always provide right advice and provide continuous support. We have been dealing with them for last 4 years. They have always guided us correctly in terms of getting the mortgage structure right, cashbacks, lower interest rates etc. We highly recommend this team!”
-Ms. Shreya Yash, Google Review
2. Rakesh and Era Bansal – Kiwi Mortgages
Address: 116b Cavendish Drive, Manukau City Centre, Auckland 2241, New Zealand (Google Maps)
Contact Details: +64508332211 (Toll-Free)
Operating Hours: Monday to Friday, 8:00 am to 6:00 pm, Saturday, 9:30 am to 4:00 pm
Kiwi Mortgages is spearheaded by Rakesh Bansal and Era Bansal. Rakesh and Era both have extensive banking backgrounds in New Zealand and abroad, particularly in the fields of residential property lending, commercial loans, and property investments.
Their mortgage services include first home buying, investment property, restructuring mortgage, refinancing, and construction loans.
Although they don’t specialise in personal risk insurance, they are well-partnered with both bank and non-bank lenders across New Zealand.
A few notable lenders they’re partnered with are BNZ, Kiwi Bank, ANZ, ASB, Cressida Capital, and DBR Property Financiers.
Kiwi Mortgages is also adept in providing financial advice for self-employed Kiwis who want to secure business loans or commercial loans.
They don’t charge service fees for consultations and will liaise with your chosen lender until a decision is made free of charge.
Pros
- Offers free consultations
- Best for self-employed commercial loans
Cons
- Small team
- They do not write insurance business
Customer Reviews
Professional and dedicated
“We recently had pleasure utilising Kiwi Mortgages Manukau to help us purchase our investment property. We found them professional and dedicated to helping us achieve our goal. They were always available to answer any questions we had and kept us well informed throughout the entire process. We highly recommend them.”
-Hungri Hunter, Google Review
Always available to answer any questions
“I could not be more happy with the service I received from Kiwi mortgages in relation to the purchase of my first home. Being a completely unfamiliar and lengthy process for us, Rakesh was nothing but patient and supportive. He ran us through all our mortgage options, listened to our concerns, was organised, was professional, friendly and was always available to answer any questions. The follow ups and communication throughout exceeded my expectations. Would recommend to anyone purchasing their first home.”
-Chivantha De Costa, Google Review
3. Mikey Smith – Guardian Smith Mortgage and Financial Services
Address: 1/40 Hurstmere Road, Takapuna, Auckland 0622, New Zealand (Google Maps)
Contact Details: +64210318160
Operating Hours: Monday to Sunday, 7:00 am to 9:00 pm
Unlike other mortgage brokers on this list, Mikey had a different start to his career. Before getting into finance, he was running his family’s car rental business and managing sales, marketing, and insurance.
It was Mikey Smith’s dream to own and run his own mortgage firm, and after just four years in the industry working for Loan Market, he founded Guardian Smith Mortgage and Financial Services in 2018.
His firm offers mortgage solutions for first-home buyers, lending reviews, refinancing, and property investment. Mikey has a small team, but they are available for consults either in person or via phone at any time of the day.
They will guide you through mortgage applications, explain interest rates, and help you make informed decisions when it comes to choosing a lender. Mikey can also negotiate rates and find payment plans suitable for your budget and lifestyle.
Pros
- Best for lending reviews
- Head broker can negotiate deals and cashbacks
Cons
- Smaller scope of mortgage solutions
- Small team
Customer Reviews
Brokers that keep your mind at ease
“Mikey and Louise were saints! Patient with all of our niggly questions and always available for a quick phone call if we had a moment of uncertainty! As first home buyers they put our minds at ease and made sure we were kept up to date the entire way through the process. Highly recommend! Mikey and his team deserve more than 5 stars!”
-Ms. Grace Cocker, Google Review
Thorough and honest approach
“Mikey and Louise were exceptional throughout the whole home buying process. It can be daunting as a first home buyer to know where to even begin with questions and advice but Mikey and team guided me through with an immense amount of patience, thorough and VERY responsive communication and a genuine willingness to help me reach my goals which greatly helped drown out a whole lot of confusion-causing noise coming from media, other MA’s and REA’s.”
-Ms. Lynna Son, Google Review
4. Vins Grover – The Mortgage Hero
Address: 65 Central Park Drive, Henderson, Auckland 0610, New Zealand (Google Maps)
Contact Details: +64275568484
Operating Hours: By appointment only
Vins Grover initially lived in a converted garage for his first two years in New Zealand. Despite humble beginnings, he diligently pursued his dream of homeownership. By 2005, he achieved his goal, purchasing his first home with a 5% deposit.
He later upgraded to a larger home in 2007 and fully paid it off by 2014.
When he founded The Mortgage Hero, he wanted to help other people get fair deals when buying their first homes (just like he did). He wanted other dreamers like him to make smart but informed decisions, especially when they want home upgrades!
Vins provides mortgage solutions including refinancing, commercial and residential loans, insurance, and debt consolidation. With over 15 lender partnerships, he tailors loan structures to your needs.
The Mortgage Hero mainly services first-home buyers but also specialises in helping existing homeowners look for better mortgage deals and interest rates on existing loans.
Pros
- 24/7 hotline
- Has a repayment calculator on website
Cons
- Small team
- Not suitable for commercial loans
Customer Reviews
Clients leave reassured
“First time home buyer here, The Mortgage Hero are exactly what we needed. I would 100% recommend to anyone who wants that peace of mind, reassurance and confidence in the buying property process. We are grateful we found Vinay and will seek to use only him again in the future. We highly recommended him, He is highly professional, prompt, efficient and clear with communication.”
-Mr. Vik Handa, Google Review
Patient mortgage adviser
“We are a first home buyer, hence no experience at all in home purchase. Vins has been very patient and continued to advise us through the 2.5 years of wait for 1st home on a subdivided property. He secured 10 bank approval extensions and doesn’t take any money from us. I would strongly recommend Vins and The Mortgage Hero as your financial advisor and broker towards your property purchase and beyond.”
-Ms. Hymie Latif, Google Review
5. Nicola Greene – The Mortgage Supply Co
Address: Auckland, New Zealand
Contact Details: [email protected]
Operating Hours: By appointment basis
We recently engaged with The Mortgage Supply and were thoroughly impressed by the quality of their services. Their team of experienced brokers guided us seamlessly through the entire mortgage process.
Furthermore, their efficiency in handling paperwork and communication was exemplary. We experienced minimal delays and received prompt responses to all our queries.
Transitioning to affordability, their fee structures are transparent and competitive. We felt that the cost of their services was fair given the high level of expertise and support provided.
Additionally, their facilities are well-organized and professional. The welcoming environment and access to essential resources enhanced our overall experience with their services.
Pros
- 24/7 hotline
- Has a repayment calculator on website
Cons
- No promos at the present
6. Nick Coyle Mortgage Specialist
Address: Level 2 3/2 Te Pumanawa Square, Northwest Shopping Centre, Auckland 0814
Contact Details:
Operating Hours: By appointment basis
We recently worked with Nick Coyle, a mortgage specialist, and the experience was stress-free from start to finish. His expertise and calm approach made the entire loan process easy to navigate.
Additionally, Nick was incredibly responsive, answering all of our questions promptly and clearly. He guided us through each step with patience, ensuring we understood every detail of the loan process.
Moreover, his ability to secure competitive rates was impressive and saved us money. Nick’s professionalism and dedication truly made a difference in what can often be a complicated process.
Furthermore, he was flexible with our schedule and always made time for any concerns we had. His transparency and honesty built a strong sense of trust throughout the entire process.
Lastly, Nick went the extra mile to ensure everything was finalized smoothly. We couldn’t have asked for a better experience and highly recommend him to anyone seeking a mortgage specialist.
Pros
- 24/7 hotline
- Has a repayment calculator on website
Cons
- No promos at the present
7. The Mortgage and Loan Guru
Address: 2/12 LAIDLAW WAY EAST TAMAKI AUCKLAND
Contact Details: 02102793704 / [email protected]
Operating Hours: By appointment basis
We recently worked with The Mortgage and Loan Guru for our mortgage needs, and the experience was outstanding. From the first consultation, their team was knowledgeable and attentive, making the entire process smooth and stress-free.
Furthermore, their expertise in finding the best mortgage options was impressive. They provided us with tailored recommendations that fit our financial situation perfectly.
Moreover, the communication throughout the process was excellent. The team kept us informed every step of the way, ensuring we were always up-to-date on our application’s progress.
Additionally, the level of support provided was exceptional. They answered all our questions thoroughly and offered valuable advice on managing our mortgage.
Transitioning to customer service, The Mortgage and Loan Guru’s staff were friendly and professional. They went above and beyond to ensure our needs were met and that we felt confident in our decisions.
Also, the processing time was efficient. We were pleased with how quickly our mortgage application was handled, allowing us to move forward with our plans without unnecessary delays.
To add, the pricing and fees were transparent and fair. We appreciated the clear explanation of costs, with no hidden charges or surprises.
Finally, we are extremely satisfied with our experience with The Mortgage and Loan Guru. Their expert guidance and excellent service made securing our mortgage a seamless and positive experience.
Pros
- 24/7 hotline
- Has a repayment calculator on website
Cons
- No promos at the present
8. Oliver Broomfield Mortgage & Insurances
Address: Auckland, New Zealand
Contact Details: 0272751555
Operating Hours: By appointment basis
We recently worked with Oliver Broomfield for our mortgage needs, and the experience was exceptional. From the initial consultation, Oliver was professional and attentive, making sure we felt informed and confident about our mortgage options.
Furthermore, his expertise in finding the best mortgage solutions was evident. He provided us with tailored recommendations that perfectly suited our financial situation and goals.
Moreover, the communication throughout the process was excellent. Oliver kept us updated on each step, ensuring we were always in the loop and aware of any developments.
Additionally, the level of support was outstanding. Oliver answered all our questions with patience and provided valuable advice, making the entire process smooth and stress-free.
Transitioning to customer service, Oliver’s responsiveness was impressive. He promptly addressed any concerns and was always available for follow-up discussions.
Also, the turnaround time for processing our mortgage was efficient. We appreciated how quickly he handled everything, allowing us to move forward with our plans without unnecessary delays.
To add, the pricing and fees were transparent. We received a clear explanation of all costs involved, with no hidden surprises.
Finally, we are extremely pleased with our experience with Oliver Broomfield. His expert guidance and exceptional service have made securing our mortgage a seamless and positive experience.
Pros
- 24/7 hotline
- Has a repayment calculator on website
Cons
- No promos at the present
9. Mint Financial
Address: Auckland, New Zealand
Contact Details:
- Phone: 029 020 79689
- Email: [email protected]
Operating Hours: Mon-Fri 0900 – 1700
Mint Financial
Mint Financial is a leading mortgage broker company dedicated to helping you navigate the complexities of home financing with ease and confidence. Whether you’re a first-time homebuyer, looking to refinance, or seeking investment property financing, Mint Financial offers personalized solutions that are tailored to your unique financial situation and goals.
At Mint Financial, we understand that securing a mortgage can be one of the most significant financial decisions of your life. That’s why we take a client-first approach, ensuring that you receive expert guidance and support throughout the entire process. Our team of experienced brokers is committed to finding you the best possible mortgage rates and terms, leveraging our extensive network of lenders to secure options that fit your needs.
What sets Mint Financial apart is our dedication to transparency, education, and customer service. We believe that informed clients make better decisions, so we take the time to explain every aspect of your mortgage options, from interest rates to payment structures. Our goal is to empower you with the knowledge you need to make decisions that are right for your financial future.
Our services extend beyond just finding the right mortgage. We provide comprehensive financial assessments, helping you understand how your mortgage fits into your broader financial picture. Whether you need advice on budgeting, debt management, or long-term financial planning, Mint Financial is here to support you every step of the way.
At Mint Financial, we pride ourselves on building long-lasting relationships with our clients. Our commitment to exceptional service doesn’t end when you close your mortgage—we’re here for you as your needs evolve over time. With Mint Financial, you can trust that you have a reliable partner in your corner, dedicated to helping you achieve your homeownership and financial goals.
For those seeking a mortgage broker that combines expertise, integrity, and personalized service, Mint Financial is the trusted choice. Let us help you turn your homeownership dreams into reality.
Pros
- 24/7 hotline
- Has a repayment calculator on website
Cons
- No promos at the present
10. Benchmark Mortgages
Address: PO Box 24006 Royal Oak Auckland 1345
Contact Details:
Operating Hours: By appointment basis
Benchmark Mortgages
At Benchmark Mortgages, we specialize in making your mortgage journey straightforward and stress-free. As a top-rated mortgage broker company, our mission is to provide you with tailored solutions that align perfectly with your financial goals, whether you’re buying your first home, refinancing, or investing in property.
With Benchmark Mortgages, you can expect a personalized approach to mortgage brokerage. Our team of seasoned experts is dedicated to understanding your unique needs and guiding you through every step of the mortgage process. We have established strong relationships with a wide network of lenders, allowing us to offer you competitive rates and flexible terms.
Our commitment to transparency and client education sets us apart. We believe that an informed client is empowered to make the best decisions. That’s why we take the time to explain your mortgage options in detail, from interest rates and repayment plans to potential costs and benefits. We want you to feel confident and well-informed throughout the entire process.
Benchmark Mortgages goes beyond just securing your mortgage. We provide comprehensive financial assessments to ensure that your mortgage fits seamlessly into your overall financial strategy. Our team is here to offer advice on budgeting, debt management, and long-term financial planning, ensuring that your mortgage supports your broader financial objectives.
We pride ourselves on delivering exceptional customer service and building lasting relationships with our clients. Our support continues long after your mortgage is secured, and we are always available to assist with any future needs or questions.
For a mortgage broker that combines expertise, integrity, and personalized care, look no further than Benchmark Mortgages. Let us help you achieve your homeownership dreams with confidence and ease.
Pros
- 24/7 hotline
- Has a repayment calculator on website
Cons
- No promos at the present
11. Paulette Trotter
Services:
- First Home Buyers
- Next Home Loans
- Investment Loans
- Refinancing
- Personal Loans
- Bridging Loans
- Commercial and Business Loans
- Land and Construction Loans
- Self Employed
- Insurance
- Asset Finance
- Kiwisaver
Address: Auckland, New Zealand
Contact Details: 0218 204 73
Operating Hours: By appointment basis
Paulette Trotter is the mortgage broker you want in your corner when navigating the complexities of securing a home loan. With years of experience in the financial and real estate sectors, Paulette has an unmatched ability to assess and secure the best loan options for her clients.
What sets Paulette apart is her personalized approach. She takes the time to understand each client’s unique financial situation, ensuring that every recommendation is tailored to individual needs.
Whether you’re a first-time homebuyer or looking to refinance, Paulette’s guidance is both insightful and supportive. She’s dedicated to helping her clients achieve their long-term financial goals, not just focused on the transaction.
Her deep knowledge of the mortgage market allows her to secure competitive rates for her clients. This expertise, combined with her commitment to client satisfaction, makes her a trusted partner in the journey to homeownership.
Paulette’s reputation for professionalism, transparency, and unwavering support has made her one of the most respected mortgage brokers in the industry. Her clients know they can rely on her every step of the way.
Pros
- 24/7 hotline
- Has a repayment calculator on website
Cons
- No promos at the present
12. Jenny Aitken Mortgages
Address: Auckland, New Zealand
Contact Details:
- [email protected]
- 027 253 6692
Operating Hours: By appointment basis
Jenny Aitken has earned a reputation as a highly reliable mortgage broker. She works closely with clients to find the best mortgage solutions tailored to their needs.
With years of industry experience, Jenny is known for her deep knowledge of mortgage options. She simplifies the mortgage process, making it easy for both first-time buyers and seasoned homeowners.
Customer service is at the core of Jenny’s approach. She ensures every client feels supported and well-informed throughout their mortgage journey.
Jenny’s transparency and honest communication build trust with her clients. She takes the time to explain each step, leaving no questions unanswered.
Her personalized service sets her apart from others in the field. Jenny focuses on securing the best possible terms for her clients’ financial goals.
Whether for a new home or refinancing, Jenny Aitken is committed to delivering exceptional results. Her expertise and dedication make her a top choice for anyone seeking a mortgage broker.
Pros
- 24/7 hotline
- Has a repayment calculator on website
Cons
- No promos at the present
13. David Cunningham – Squirrel Mortgages and Investments
Address: 29 Sale Street, Auckland CBD, Auckland 1011, New Zealand (Google Maps)
Contact Details: +64800212230
Operating Hours: Monday to Friday, 8:30 am to 5:00 pm
Founded by John Bolton in 2008 amid the global financial crisis, Squirrel emerged from his personal loan challenges. Recognized by the NZ Financial Services Group, the mortgage firm expanded its market share. While David Cunningham now leads as CEO, John remains closely involved, aiding clients in home purchases and business ventures.
Squirrel’s mortgage services include property investment, finance development, bridging loans, and refinancing. One of their unique services, however, is the Tiny House loan.
With the rise of tiny homes in New Zealand, Squirrel aims to help people finance their homes with early repayments and interest rates ranging from 9% to 15% per year.
If your tiny home is valued at less than $70,000, the Squirrel team won’t ask you to place a deposit for the loan. They’ll streamline the application process and get your application through various lenders within your budget!
Pros
- Offers a Tiny House loan
- Award-winning mortgage firm
Cons
- Complaints about unresponsiveness
- Complaints about turning away clients
Customer Reviews
Brokers that talk through every detail
“We have used Squirrel in the past to assist us in getting a mortgage so reached out again when moving house and needing a new mortgage. Adam Clarke was awesome, talked through our options and we are very happy with the mortgage he sorted for us.”
-Ms. Melanie Brayshaw, Google Review
Easy to deal with
“Always very easy to deal with and get things sorted. They do really take the hassle out of sorting and arranging to get my mortgage put together. It does feel like they actually interested in helping and followed up after to make sure it was all good. Definitely glad that I have chosen Squirrel for the past 3 years as my agent.”
-Mr. Fred Hickey, Google Review
