
Laura Cates
Mortgage Adviser
If your application includes personal information about a spouse, partner, co-borrower, guarantor, or another person, please only provide it where you are authorised or it is otherwise appropriate. Mortgage Lab may notify that person in accordance with the Privacy Act 2020.
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About Laura
Born and raised in Rotorua, Laura relocated to Northland in 2004 with her family. With 15 years in banking and finance, she emphasizes the personal dimension of mortgage brokering - connecting with clients and supporting their financial milestones. Outside work, she enjoys outdoor activities and exploring Northland's coastline with her children.
What Clients Say
10 testimonials
English Articles
Refix, Refinance or Top Up? How to Choose the Right Mortgage Move in 2026
A practical NZ guide to choosing between refixing your current loan, refinancing to another lender, or topping up your mortgage in 2026.
Debt Consolidation By Refinancing Your Mortgage in NZ: When It Helps and When It Hurts
Refinancing can reduce high-interest debt repayments, but it can also turn short-term debt into long-term mortgage interest. Here is how to judge it properly.
Mortgage Refinance Costs and Cashback in NZ: How to Work Out the Real Deal in 2026
Cashback can make refinancing attractive, but only if the numbers work after legal costs, break fees, clawbacks, and loan structure.
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Regulatory Information
Laura Cates provides regulated financial advice under The Mortgage Lab NZ Limited FAP license.
Financial Services Provider number: 587228
Individual FSP: FSP687091