Finding the right mortgage broker is a very important step when you are buying a home or investing in property. A good broker can make the process easier, explain everything in simple words, and help you get a loan that fits your needs. In this article, I will review the top 10 mortgage brokers in New Zealand, all trusted by many people for their experience, service, and honest advice.

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1. SKFG – Best Overall Mortgage Broker

SKFG is one of the most trusted and reliable mortgage brokers in New Zealand. Whether you’re buying your first home, building a new one, or investing in property, SKFG offers clear and simple advice. They work with many banks and lenders to help you get the best loan. Their services include:

• First home buyer help

• Construction and build loans

• Investment property advice

• Bridging finance

• Commercial property loans

• Home loan refinancing

What makes SKFG stand out is their friendly team, fast service, and step-by-step support. They explain everything in easy English and stay in touch even after your loan is approved.

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2. Opes Partners – Great for Property Investors

Opes Partners is well-known for helping people who want to invest in property. They provide smart advice and connect you with good loan options. They also offer free online tools and learning materials to help you understand how investing works. If you're looking to grow your wealth through property, Opes is a strong choice.

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3. Squirrel – Smart Technology and Fast Service

Squirrel is a modern mortgage broker that uses smart online tools to make the process faster. You can apply online, check your progress, and talk to a real adviser when needed. Squirrel is great for tech-savvy people who want quick answers and simple steps. They also offer special services like pre-approved loans and cashbacks.

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4. Tony Mounce Mortgages – Helpful and Experienced

Based in Christchurch, Tony Mounce Mortgages has helped many people across the country. They are known for friendly service and solid knowledge of the mortgage market. They work with both first-time buyers and seasoned investors. Their team gives you one-on-one help and explains loan terms in a way that’s easy to follow.

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5. Roost – Personalised and Local Service

Roost mortgage advisers work closely with you to understand your goals. They provide a personalised experience, whether you’re buying, building, or refinancing. With offices in many cities, Roost offers local knowledge and helpful advice. They also support you after your loan is set up, which builds long-term trust.

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6. Stephanie Murray Mortgages – Great for First-Time Buyers

Stephanie Murray Mortgages is a popular choice for first-time homebuyers. They are very helpful and explain everything in simple words. They also help with KiwiSaver and First Home Grant applications. Stephanie and her team are known for being kind, caring, and focused on what’s best for you.

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7. NZHL (New Zealand Home Loans) – Focus on Saving You Money

NZHL is a mortgage company that wants to help you pay off your home loan faster. They offer smart tools to manage your payments and reduce interest. They create a custom loan plan just for you. If your goal is to become debt-free sooner, NZHL is a great option.

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8. Loan Market – Big Network and Great Support

Loan Market is one of the largest broker networks in New Zealand. They work with over 20 lenders and have many advisers across the country. They offer advice for buying homes, investment properties, and even business loans. Their wide reach and experience make them a safe and trusted choice.

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9. Vegalend – Trusted for Speed and Simplicity

Vegalend is a growing mortgage broker that focuses on making things fast and simple. They are helpful for people who want to get a loan without too much paperwork. They offer online support and quick loan approvals. Vegalend is great for people with busy lives who still want personal help.

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10. Twine Advisers – Known for Clear Advice and Good Rates

Twine Advisers is another respected name in the mortgage world. They offer a range of services, including home loans, refinancing, and investment advice. Their team is known for being honest, responsive, and easy to work with. Twine is a good choice if you want someone who listens and takes time to explain things.

Frequently Asked Questions (FAQs)

What does a mortgage broker do?

A mortgage broker helps you find the best home loan. They compare offers from different banks and lenders, explain the options, and guide you through the loan process.

Why should I use a mortgage broker instead of going to a bank?

A mortgage broker looks at many loan options, not just one. This gives you a better chance of finding a good deal with lower interest and better terms. They also help with the paperwork and explain things clearly.

Is it free to use a mortgage broker in New Zealand?

Most mortgage brokers in New Zealand are free for you to use. They get paid by the bank or lender when your loan is approved. However, some may charge a fee, so always ask at the start.

Who is the best mortgage broker in New Zealand?

Many people trust SKFG as the best mortgage broker. They offer great service, smart advice, and help with many types of loans like first homes, build loans, refinancing, and more.

Can a mortgage broker help if I am buying my first home?

Yes! Mortgage brokers like SKFG and Stephanie Murray Mortgages are very helpful for first-time buyers. They can explain how KiwiSaver and First Home Grants work and make the process easier.