City Name
Home » Recent posts » Buy your dream home with Auckland’s top mortgage brokers

Buy your dream home with Auckland’s top mortgage brokers

Buy your dream home with Auckland's top mortgage brokers
We extensively test and research all services we review. Here's why you can trust us.

According 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

Industry Experience: We chose firms that have been in the industry for at least 5 years and serve clients all over Auckland. 
Mortgage Solutions: We selected firms that offer a wide range of mortgage solutions like loan restructuring, refinancing, commercial loans, business loans, first-time buyer loans, and even bridging loans. 
Range of Lenders: We selected firms that are partnered with major bank and non-bank lenders, like ANZ, Kiwi Bank, and Cressida Capital, to name a few. 
Licensing and Accreditation: We selected firms that are run by licensed brokers from associations like the Financial Markets Authority. We also considered firms that have won awards like the NZ Financial Services Group Awards. 

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. 


  • Best for first-time home buyers
  • Multiple branches across Auckland


  • 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

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. 


  • Offers free consultations
  • Best for self-employed commercial loans


  • Small team
  • Complaints about bad customer service

Customer Reviews

Committed mortgage brokers

“I am writing this testimonial to express my utmost satisfaction with the outstanding services provided by Kiwi Mortgages. Throughout the entire refinancing process, Kiwi Mortgages demonstrated professionalism, expertise, and a commitment to ensuring my financial needs were met seamlessly.”

-Mr. Vipan Gupta, Google Review 

Stress-free home lending

“We appreciate the time and effort Era and Manisha have given us. Being a first home buyer, the whole process was made easier with their in depth knowledge and financial advice. Will recommend them to anyone starting out.”

-Mr. Billy Laita, 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. 


  • Best for lending reviews
  • Head broker can negotiate deals and cashbacks


  • 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. 


  • 24/7 hotline
  • Has a repayment calculator on website


  • 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. 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! 


  • Offers a Tiny House loan
  • Award-winning mortgage firm


  • 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