Rustam Nomozov
Mortgage Adviser
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About Rustam
Rustam Nomozov is a Mortgage Adviser at Mortgage Lab based in Wellington, helping New Zealand clients with mortgage advice. Rustam can help clients in English.
Get to Know Rustam
What inspired you to become a Mortgage Broker?
I was a banker for over 8 years. I have decided I still want to do what I do best: build client relationships and assist with development journeys.
What is the best part of being a Mortgage Broker?
I don't take NO for an answer. I completed nearly 150 applications last year with only 1 decline, and saved 3 businesses from liquidation.
What have you found to be the most challenging aspect?
As a broker, I must convince lenders rather than make decisions myself, requiring meticulous application preparation and ongoing training.
What is your most memorable client experience?
Preventing a 70-year-old couple from bankruptcy through alternative solutions when their existing bank refused help.
How would you sum up being a Mortgage Broker in three words?
I am not a broker - I am family 'finance' Doctor.
If you could have dinner with any three people (alive or dead), who would it be?
Vito Corleone, Tony Robbins, Arnold Schwarzenegger.
If you weren't in Mortgage Broking, what would you do?
Property Developer.
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.
Ready to Chat with Rustam?
Get in touch today for a free, no-obligation consultation about your mortgage needs.
Regulatory Information
Rustam Nomozov provides regulated financial advice under The Mortgage Lab NZ Limited FAP license.
Financial Services Provider number: 587228
Individual FSP: FSP1004765