Anyone can quote you a rate. The harder question is which lender will approve you, and for how much — because every bank measures your income and your outgoings differently. We've spent twenty-nine years learning those differences and built them into our own tools, so you get a real answer up front, not after a credit check.
Phone 0800 222 999
And then we help you keep it if something goes wrong. Life, health and disability protection insurance. Licensed advisers to give expert advice
We're built on a foundation of trust, expertise, and genuine care for our clients. These aren't just words on a wall they're the principles that guide everything we do.
We work alongside you every step of the way. Your success is our success, and we're committed to making your homeownership journey as smooth as possible.
Twenty-nine years in the New Zealand mortgage market, and we keep up with every regulation and every lender policy change — because the lender who suited you last year may not be the one who suits you now.
We give you straight answers, honest advice, and transparent processes. No hidden fees, no surprises — just trustworthy guidance you can count on.
Operating across New Zealand, we understand the diverse property markets from Auckland to Invercargill and have strong relationships with lenders nationwide.
We leverage cutting-edge tools and technology to streamline your mortgage application, making the process faster and more accurate than traditional approaches.
We believe informed clients make better decisions. We take the time to explain your options clearly, so you feel confident in your choices.
Our disclosure document as required under CCCFA.
Our proven process takes the stress out of getting a mortgage. Here's how we work together to make homeownership happen.
We start by getting to know you, your goals, and your financial situation. This helps us understand exactly what you need.
We research all available lending options across New Zealand's major lenders to find the best matches for your circumstances.
We present you with clear recommendations, explaining why specific lenders and products suit your unique situation.
We handle the paperwork and liaise with lenders on your behalf, keeping you informed every step of the way.
We coordinate with all parties to ensure a smooth settlement process and help you understand your new mortgage.
Our relationship doesn't end at settlement. We provide ongoing reviews and support throughout your homeownership journey.
Mortgage Mart was founded on a simple frustration: the answer to "how much can I borrow?" depended on who you asked and what they happened to remember that day. You deal with the person who does the work, every time, and nothing about your situation has to be explained twice.
A person can only hold so much. Which lender quietly moved its expense benchmark last month. Which one counts a boarder's income and which one doesn't. Why an application like yours was declined two years ago, and what the fix turned out to be. Most advisers carry that in their heads — and heads forget.
We write it down instead. Every lender's rules, every policy change, every deal that didn't go the way we expected goes into the system, so the next client gets the benefit of it. You're not relying on what one adviser can recall on the day. You're getting what twenty-nine years has learned, mistakes included, so they don't get repeated on you.
Every application has to meet the Credit Contracts and Consumer Finance Act and the affordability testing that comes with it. Those rules sit in the same systems — serviceability modelled lender by lender, rather than estimated — so your application goes in complete, and to a lender whose rules it actually fits.
Call, email, or start with the calculator and we'll pick it up from there. No cost, and no obligation to go anywhere near an application.
0800 222 999
09 279 0006 (Auckland)
PO Box 498
Whakatane 3158
New Zealand
Mortgage Mart (NZ) Ltd, FSP755011.
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Start with a straight answer on what you can borrow. It takes a few minutes, it costs nothing, and it doesn't touch your credit file.
What can you buy?