Most people search for a mortgage broker when they start their home-buying journey. While you will still hear that term used frequently, there is a good reason we use the title mortgage adviser.
The move from mortgage broker to adviser reflects financial regulations in New Zealand designed to give you more security. While a mortgage broker is often seen as a transactional middleman, a mortgage adviser provides comprehensive, goals-based guidance. We are legally required to ensure the advice we give is suitable for your specific circumstances.
Historically, the term mortgage broker suggested someone who handles client money. As mortgage advisers, we guide your financial decisions without ever touching your funds; that process stays securely between you, your lender and your lawyer. We focus on your long-term financial health and helping you own your home sooner, rather than just securing a single deal.
We are proud to be the home of highly rated advisers, with over 11,000 5-star Google reviews and an industry-leading NPS score of +98. This means you are in safe hands with experts who genuinely care about your today, tomorrow, and future goals.
When you work with a Loan Market adviser, we are by your side from start to finish. We do the legwork to:
- Calculate your borrowing power and explain your options.
- Compare a panel of over 25 banks and lenders to find loan products that suit your needs.
- Play hardball with lenders to find you a competitive rate.
- Manage your application and ensure settlement runs smoothly.
We have made our process simple and transparent:
- Discovery: You answer some questions online about your circumstances.
- Meeting: Your adviser talks through your needs and calculates your borrowing power.
- Game Plan: We provide a personalised plan with solutions tailored to your goals.
- Application: We negotiate with your chosen lender and handle the paperwork.
- Approval: Once the lender gives the nod, we arrange the final documents to sign.
- Settlement: We work with the lender to ensure everything goes smoothly on the day.
We do not charge for our initial appointments, which are obligation-free. We are paid by the lender you choose. If a situation is complex and a fee is required for extra time, we will always discuss this with you upfront so you can make an informed decision.
