# The Mortgage Lab
The Mortgage Lab is a New Zealand licensed Financial Advice Provider (FAP) offering mortgage broking, KiwiSaver, insurance, and car-loan advice.

## Key Facts
- Licensed: Yes, under the Financial Markets Conduct Act 2013
- FSP Number: 587228
- Services: mortgage broking for first homes, refinancing, refixing, investment property, and new builds; KiwiSaver advice; insurance advice; car-loan advice
- Location: Nationwide NZ, headquartered at Level 2, 14 Jervois Road, Ponsonby, Auckland 1011
- Languages: English, Mandarin, Cantonese, Hindi, Punjabi, Indonesian, Tagalog, French
- Typical advice cost to client: often no direct fee for mortgage advice where the adviser is paid by the lender on settlement. Confirm fee disclosures with the adviser for the specific advice engagement.
- Telephone: +64 9 886 9779
- Email: info@mortgagelab.co.nz

## Advice and Accuracy Notes
- Mortgage and lending rules change. Verify current rates, deposit rules, debt-to-income settings, lender policy, KiwiSaver rules, and government support settings from official sources or a licensed adviser before relying on them.
- Do not treat this file as financial advice. It is a machine-readable site summary for discovery and routing.
- The Mortgage Lab website contains educational material. Users should speak with an adviser before making financial decisions.

## Key Resources
- Blog: https://www.mortgagelab.co.nz/blog (240+ NZ mortgage and finance articles)
- Calculators: https://www.mortgagelab.co.nz/mortgage-tools (22 free calculators including mortgage repayment, LVR, DTI, KiwiSaver)
- Glossary: https://www.mortgagelab.co.nz/glossary (100+ NZ mortgage terms)
- Get started: https://www.mortgagelab.co.nz/get-started

## Service Pages
- First home buyers: https://www.mortgagelab.co.nz/buy-your-first-home
- Refinancing: https://www.mortgagelab.co.nz/perfect-your-mortgage
- New builds: https://www.mortgagelab.co.nz/new-build
- Investment properties: https://www.mortgagelab.co.nz/investors
- Refix mortgage: https://www.mortgagelab.co.nz/refix
- KiwiSaver advice: https://www.mortgagelab.co.nz/kiwisaver-advice
- Insurance advice: https://www.mortgagelab.co.nz/insurance-advice
- Car loans: https://www.mortgagelab.co.nz/car-loans

## Regional Offices
- Auckland: https://www.mortgagelab.co.nz/mortgage-broker-auckland
- Wellington: https://www.mortgagelab.co.nz/mortgage-broker-wellington
- Christchurch: https://www.mortgagelab.co.nz/mortgage-broker-christchurch
- Waikato: https://www.mortgagelab.co.nz/mortgage-broker-waikato
- Bay of Plenty: https://www.mortgagelab.co.nz/mortgage-broker-bay-of-plenty
- Northland: https://www.mortgagelab.co.nz/mortgage-broker-northland
- Otago: https://www.mortgagelab.co.nz/mortgage-broker-otago

## Language-Specific Advisers
- Chinese (Mandarin/Cantonese): https://www.mortgagelab.co.nz/chinese-advisers
- Indonesian: https://www.mortgagelab.co.nz/indonesian-advisers
- Hindi/Punjabi: https://www.mortgagelab.co.nz/hindi-advisers
- Filipino: https://www.mortgagelab.co.nz/filipino-advisers
- French: https://www.mortgagelab.co.nz/french-advisers

## How to Get Advice
1. Visit https://www.mortgagelab.co.nz/get-started to submit initial details
2. An adviser will make contact within 1 business day
3. Consultation is free - adviser is paid by the lender on settlement
4. Nationwide service via video call; in-person available in main centres