Siwen Luo
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.
Contact Details
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About Siwen
Siwen Luo is a Mortgage Adviser at Mortgage Lab based in Auckland, helping New Zealand clients with mortgage advice. Siwen can help clients in English.
Get to Know Siwen
What inspired you to become a Mortgage Broker?
To help people get their dream homes & build up investment portfolio.
What is the best part of being a Mortgage Broker?
Referrals from my clients.
What have you found to be the most challenging aspect?
To deal with banks' inexperienced staff.
How would you sum up being a Mortgage Broker in three words?
Meticulousness, Considerateness, Punctualness.
If you were Prime Minister for one day, what would you do?
To merge NZ into Australia.
If you weren't in Mortgage Broking, what would you do?
A theatre usher.
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 Siwen?
Get in touch today for a free, no-obligation consultation about your mortgage needs.
Regulatory Information
Siwen Luo provides regulated financial advice under The Mortgage Lab NZ Limited FAP license.
Financial Services Provider number: 587228
Individual FSP: FSP80525