Buying guide

Working with a mortgage broker in New Zealand

Learn how a mortgage broker can help you through the homeownership process.

Karina Reardon
Last updated: 4 August 2025 | 3 min read

Why use a mortgage broker?

What to expect from a mortgage adviser

Questions to ask a mortgage broker

Pre-approval with a mortgage broker

Jarrod Kirkland, Mortgage Lab General Manager

Mortgage Q&A with Jarrod Kirkland, Mortgage Lab General Manager

Do you pay a mortgage adviser when they help you with a home loan?

What should you bring to your first meeting with a mortgage adviser if you’re using one?

What happens next after you have pre-approval?

You’ve found the house you want to put an offer in on, what happens next?

How do people typically structure their mortgage?

How much will the loan cost if you pay it over a 30 year period?

Will mortgage rates always go up following an Official Cash Rate (OCR) rise?

If you want to pay your mortgage off faster, what kind of loan can you get?

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Karina Reardon Karina Reardon