Mortgage Lab Makes Home Loans Simpler for Kiwis
Mortgage Lab is a New Zealand mortgage adviser and broker brand helping first-home buyers, homeowners, investors, and new-build clients find clearer lending options.
$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.
Our advisers help with first-home loans, refinancing, mortgage refixing, construction finance, investment property lending, KiwiSaver advice, and insurance conversations that connect back to the mortgage decisions people are making.
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
“Nicola was great! Really open, understanding, and really took the time to ensure we felt supported and understood everything throughout the whole process. She was approachable and considerate, even when asking, what might seem like, "silly questions"”
Sarah Smith
Nicola Winters“We had an outstanding experience working with Somesh. From our very first conversation, he took the time to understand our needs and explain every step of the mortgage process in clear and simple terms. His professionalism, responsiveness, and deep knowledge of the market made the entire journey stress-free. He was always available to answer my questions, provided regular updates, and went above and beyond to secure a great rate and deal for us. What we appreciated most is his genuine care, we never felt like just another client. He made us feel supported and confident in our decisions and helped us with our entire journey to buy our first dream home, with great support. We would highly recommend Somesh to anyone looking for a mortgage broker who is trustworthy, efficient, and truly committed to achieving the best outcome for his clients.”
S & M Deshar
Somesh Awasthi“Christiana helped us to get a mortgage and buy our first home here in NZ. She was just brilliant and highly recommend her. She kept us up to date with the process, explained everything clearly including our options and followed up to make sure everything is okay. We will always recommend and work with Christiana from now on!”
Isaac U
Christiana PollockReady to Get Started?
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