Who we are
Mortgage Mart NZ Ltd is a licensed Financial Advice Provider specialising in mortgage and insurance advice for New Zealanders. We're independent — we don't work for any bank. We work for you.
Founded by Rob Thumath, who has spent 28 years in the New Zealand mortgage industry, we combine deep lending expertise with technology that most advisers simply don't have. Our multi-lender borrowing calculator uses each bank's actual methodology to show you exactly what you can borrow — not a rough estimate, but the real numbers.
We work with clients across all of New Zealand. Whether you're in Auckland, Tauranga, Wellington, Christchurch, or anywhere else — everything is handled online and over the phone.
How we're different
Most mortgage advisers will tell you they compare lenders. We actually show you the comparison — before you even pick up the phone.
Every bank in New Zealand calculates your borrowing power differently. They use different test rates, different expense benchmarks, and different income shading rules. The result? The same person can be approved for hundreds of thousands of dollars more at one bank than another.
Our calculator does what no other public tool in New Zealand does: it runs your numbers through multiple lenders simultaneously, using the same methodology the banks themselves use. You see the difference with your own eyes, and then we help you act on it.
What we value
Accuracy
Every number we show you matches what the bank will calculate. We don't guess, estimate, or round. If it's going on screen, it's right.
Independence
We're not tied to any bank. Our advice is based on which lender genuinely suits your situation — not who pays us the highest commission.
Transparency
No hidden fees, no pressure. We're paid by the lender when your loan settles. Our disclosure statement is always available.
Self-service first
We believe in giving you the tools to explore your options yourself. When you're ready to talk, we're here — but we'll never push.
Our services
Mortgage advice — first homes, next homes, investment properties, refinancing, restructuring. We compare across multiple NZ banks and lenders to find the best fit for your situation.
Insurance advice — life, health, trauma, and income protection. We help you make sure you and your family are covered. Complete our insurance questionnaire to get started.
KiwiSaver — we can help with using your KiwiSaver for a first home purchase and refer you to a specialist adviser for fund-specific advice.
Regulatory information
Financial Advice Provider disclosure
Mortgage Mart NZ Ltd is registered on the Financial Service Providers Register (FSPR) and is a licensed Financial Advice Provider under the Financial Markets Conduct Act 2013. We are required to provide you with a disclosure statement before giving you financial advice. This document outlines who we are, what services we provide, how we are paid, and how we handle any conflicts of interest.
View our disclosure statement