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
“I wholeheartedly and sincerely recommend Lynne. I am beyond grateful for the incredible journey I experienced with her while refinancing my mortgage. Lynne is truly exceptional. What stands out most is her genuine ability to understand and relate to my unique circumstances as a solo mother with two children. From the very beginning, she showed unwavering kindness, compassion, and an eagerness to help. She went above and beyond to make the entire process smooth, stress-free, and effortless for me. Her accommodating nature and dedication to her work made all the difference, and I can't express enough gratitude for the support and care she provided. Thank you, Lynne, for everything you’ve done for my family and me. Your efforts have truly made an extraordinary impact on our lives, and I will forever appreciate you.”
Jax Heta
Lynne Dent“Johnny is such an incredible advisor with extensive knowledge. In the journey of purchasing our first house, he guided us from the beginning until the settlement date. He made it very easy for us, we just submitted few documents and he did the rest. Really passionate answering every queries we had. We ended up got really great deal and the lowest interest rate from the bank. Two thumbs up, definitely will recommend Johnny to our relatives and friends! :))”
Giovan Setiawan
Johnny Ang“Nicola was absolutely amazing to deal with, as first home buyers - we had no idea what we were doing and Nicola walked us through every step. She was so onto everything, and amazing communication, we were never left wondering what was happening. Our first home buying journey was such a success due to Nicola’s hardwork. We could not recommend her enough.”
Stevie Farley
Nicola WintersReady to Get Started?
Talk to one of our friendly advisers today. No obligation, just honest advice.
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