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
“Christiana was so easy to work, super friendly and delivered a great outcome. Fully recommend.”
Rich Barter
Christiana Pollock“I can highly recommend Christiana. She has been so helpful and responsive during what ending up being longer-term planning that what was expected. She has provided excellent feedback, advice and guidance for our decision making around mortgage set up and planning for a complex project. We have appreciated her ongoing work with us.”
Raewyn Quist
Christiana Pollock“Susan was awesome. Very helpful and answering along the way. Joyful to work with. Highly recommend her. All the best.”
Misagh Azizi
Susan WuReady to Get Started?
Talk to one of our friendly advisers today. No obligation, just honest advice.
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