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
“Both my partner and I really enjoyed working with Nicola. She was extremely knowledgeable and provided great guidance to help us get in to our first home. She was always responsive and helpful, had excellent contacts and recommendations, efficient and very friendly. We couldn't ask for anyone better and will sing her praises any day!”
Sam Thomas
Nicola Winters“I approached Christiana earlier this year for advise around purchasing my first home. Although I was not yet in a position to do so Christiana formulated a plan to get me there which I am now following and hopeful to buy in the new year. When the time comes I will definitely look to work with Christiana. She is professional, easy going and lovely to work with I couldn’t recommend her more!”
Olivia
Christiana Pollock“Thank you very much was awesome”
Dan Hudepohl
Roger FairbairnReady to Get Started?
Talk to one of our friendly advisers today. No obligation, just honest advice.
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