Get Mortgage
Approval.

The Mortgage Man will go to the bank for you. We know which bank has the best rates and products to suit your individual situation. Different lenders have different rules that may meet your needs better than others. Once The Mortgage Man gets your approval, the help doesn’t stop there. We will help you figure out how to buy a house and then most importantly teach you how to pay off your new mortgage as soon as possible.

In most cases, it costs you nothing to work with The Mortgage Man as we get paid by the bank via a commission. Very rarely, for unique situations, we may need to charge you a fee. This will be discussed with you beforehand if applicable.

We have access to over 30 lenders in New Zealand. These range from the main banks that you are probably already familiar with, to non bank lenders and development lenders who have differing rules that we may need to use to help you obtain finance if your situation is a bit different.

Most of our work is done remotely via The Mortgage Man Portal, phone calls and video calls. If you want to work with The Mortgage Man, regardless of where you are based in New Zealand, we can help.

Brokers have access to the “special special” rates that aren’t always advertised. But working with us also has many other benefits, like making sure your loan structure is set up correctly for your situation. If you get that part wrong, it could cost you a lot more of your hard-earned money over the life of your home loan.

If you are our client, yes. If not, then no. Most of the time you can refix your mortgage on your banking app yourself when it’s due to roll off its fixed term. If you want to refinance your mortgage to a different bank, then yes we can definitely help you.

When buying a house there will likely be additional costs you need to keep in mind, such as lawyers fees, valuations and building reports. But from our side there are no additional fees we charge when helping you to get a mortgage. In the future, if you decide to pay off your mortgage early, move banks or break fixed terms within claw-back periods, there may be fees charged by ourselves or the bank in order to recover costs. Talk to us directly about how these might apply in your situation.

These are complicated and may suit your situation, or they may not. It is very important that you get individual advice before putting one in place (like from The Mortgage Man when we do our loan structure meeting with you). For a basic overview of how they work, you can watch this video to learn more here.

This can be a complicated equation so we made a video to help explain it. Watch it here.

Start with Are you ready to buy?: six quick questions and you'll know what the banks would lend you. From there you fill in the application and Aaron takes it from your numbers to a real pre-approval.