Making Home Loans Simple for Kiwis
Mortgage Lab was founded with a simple mission: to make the mortgage process easier for New Zealanders. We provide expert advice to help you find the right home loan.
$2B+
Loans Settled
30+
Expert Advisers
10+
Years Experience
4.9
Google Rating
Our Story
Mortgage Lab was founded by Rupert Gough, who saw first-hand how confusing and stressful the mortgage process could be for everyday Kiwis. With a background in banking and financial services, Rupert knew there had to be a better way.
Today, Mortgage Lab has grown to become one of New Zealand's leading mortgage advisory firms. With over 30 advisers nationwide, we help thousands of Kiwis every year achieve their property goals.
What sets us apart is our commitment to education and transparency. We don't just find you a loan – we help you understand your options so you can make the best decision for your circumstances.
Our Values
Client First
Your goals are our priority. We take the time to understand your situation and find solutions that work for you.
Expert Advice
Our advisers are highly trained and stay up-to-date with the latest lending policies and market conditions.
Transparency
We explain everything clearly, including how we get paid, so you can make informed decisions.
Nationwide Reach
With advisers across New Zealand, we can help you wherever you are.
How We Work
Free Consultation
We start with a conversation to understand your goals, financial situation, and timeline. This is completely free and without obligation.
Find Your Options
We research the market and present you with the best loan options from our panel of lenders, explaining the pros and cons of each.
Handle the Paperwork
We manage the entire application process, liaising with the bank on your behalf and keeping you updated every step of the way.
Ongoing Support
Our relationship doesn't end at settlement. We're here to help with refixing, restructuring, and any future lending needs.
What Our Clients Say
“Lynne Dent, thank you so much for helping us to achieve our dream, your guidance really keep us on the right track, your kindness, fast and clear respond really helpful, 100% recommended. Regards. Scarlet and Willian”
Scarlet Espinoza
Lynne Dent“Nicola straight off the bat has been incredibly attentive and supportive. No question was too silly and she always had time to answer our questions. I really think she goes above and beyond and we will be referring her to all our friends!”
Michaela Adams
Nicola Winters“Nicola was amazing from the start. She explained the process throughout the whole thing and simplified it. No question was too silly. She was easy to get hold of and she replied so incredibly quick. Meeting with Nicola I held little hope that my dream was obtainable. After previous MA told me I needed a partner to get into the property ladder, as no one would lend to a single. 3months later I settled on my first home. Something I was told I couldn’t achieve, but not by Nicola. She was positive and did everything she could to get me there. I can not rave enough about her!!”
Samantha Morris
Nicola WintersReady to Get Started?
Talk to one of our friendly advisers today. No obligation, just honest advice.
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