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

1

Free Consultation

We start with a conversation to understand your goals, financial situation, and timeline. This is completely free and without obligation.

2

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.

3

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.

4

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

Well, Somesh was the very first mortgage broker I spoke to, and I truly think I was lucky to meet him. From the start, I told him I didn’t want to waste anyone’s time and that I had a really good feeling about him. I wanted him to handle my mortgage. I believed in him, and he absolutely went above and beyond! He genuinely deserves the best. What a guy! His level of service, dedication, and consistency are truly next level. He’s now become a dear friend, and I’d love to meet this amazing gentleman in person one day!

Srimal Perera

Somesh AwasthiSomesh Awasthi

We had such a great experience working with Christiana. She helped us refix our mortgage and make the switch to another bank that best suited our evolving lending needs and made the entire process feel easy and stress‑free. Her advice was clear, practical, and incredibly helpful at every step. What stood out most was how proactive and approachable she was - always happy to answer questions and explain things in a way that made sense. We genuinely felt supported throughout the whole journey.

My husband and I were older clients of Laura. We never imagined that we would be in the situation of needing a reverse mortgage, and were totally unprepared for the process involved. Laura was warm, patient yet always very professional. Nothing was ever too much trouble and she never made us feel foolish for asking her to repeat information, or for asking questions. In fact she encouraged this. When our first application was unsuccessful, she willingly guided us through the second one. Even after we were then dealing with a representative of the company, she was prepared to help when I felt completely stressed and at a loss. She touched base from time to time to make sure that things were still on track for a good outcome. We feel very grateful for her assistance and knowledge and would not hesitate to recommend her to others in a similar situation.

Ngaire Mc

Laura CatesLaura Cates

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