Find Out What Working with a Mortgage Broker Can Do for You


Make Homeownership Happen - Why a Mortgage Broker Should Be Your First Call

What is Mortgage Broking?

Mortgage broking is a financial service that involves intermediaries, known as mortgage brokers, who help individuals secure loans for purchasing real estate.

Now a mortgage loan that an individual gets in order to buy a home or other piece of real estate is a common way to finance the purchase of a house or other piece of real estate.

Lenders in turn provide money to homeowners in exchange for the promise that they would return the loan with interest and over a set period of time.

A savvy homeowner can use the services of a mortgage broker to get a better idea of which lenders are most likely to approve their loan applications based on their unique financial situation. For those dealing with specific financial

issues or credit problems, this tailored approach might be quite helpful.

Gain access to individualised mortgage options with the help of a knowledgeable mortgage broker in Whangarei. In order to help you navigate the process of obtaining a mortgage, we can put you in touch with an expert mortgage broker.

Superb Mortgage Broking for your Home Loan Needs

The real estate market would not function without mortgage financing, which not only helps people and companies buy houses and properties but also gives banks a way to make money through interest


If you have any questions or concerns at any point along the application process, an experienced mortgage broker is there to help you out. To make sure everything goes smoothly, they have to coordinate with all the different people involved, such as the closing agents and real estate agents.

Another perk is that their schedules are flexible, which is great for people who are having trouble with the mortgage procedure during typical office hours. If you want someone to help you get the best mortgage for your needs, choose a mortgage broker. They are convenient and knowledgeable.

We can connect you with a dependable mortgage broker who can provide you with personalised financial advice in Whangarei. Call us!

FAQs - Mortgage Broking

Curious about the role of a mortgage broker and how they can assist you in securing a mortgage?

Thanks to the expertise of skilled intermediaries, mortgage brokers simplify the process of obtaining loans for individuals looking to purchase homes. They have extensive connections with various lenders and are skilled at finding the most favorable mortgage rates and terms based on their expertise.

A mortgage broker streamlines the process by acting as a mediator between you and the lending institution. They ensure that you receive the most favourable mortgage terms, whether you're a first-time homebuyer or a seasoned investor.

What are the advantages of using a mortgage broker instead of approaching lenders directly?

Hiring a mortgage broker offers numerous advantages. Brokers have the ability to connect you with a wide range of lenders, providing you with a plethora of mortgage options. With their deep understanding of the market, they can help you discover rates and terms that are both affordable and tailored to your specific needs.

Mortgage agents can also help you save valuable time by handling negotiations and paperwork on your behalf. Applying for a mortgage becomes a breeze, with a faster and stress-free process.

What steps can I take to find the ideal mortgage broker for my specific requirements?

When searching for the perfect mortgage broker, it's important to consider factors such as their level of expertise, track record, and the breadth of their lender network. Begin by reaching out to us we can arrange a meeting with an mortgage expert to discuss your mortgage situation. By taking this opportunity, you can assess their expertise, communication skills, and ability to cater to your specific requirements.

Let Laura find the lender that works best for you

Whangarei Mortgage Broker Services

Getting YOU where you want to go with your home goals, all hassle-free.


Buying your first house can be exciting but intimidating. Let Laura help you achieve homeownership!.


Reaching the end of a fixed-rate deal or experiencing a change? Explore your options with a positive outlook.

Debt Consolidation

Pay off debt faster by combining it. You deserve financial freedom to fulfill your ambitions.

New Build Finance

Building a house? Secure new build financing to only draw down money as needed, saving money.

Investment Purchase

Building your property portfolio? Get the best investment property rates with Mortgage Broker Whangarei.

Moving & Bridging

Whether you're in a bind financially or need to buy before you sell. One possible option is a bridging loan.


Stay in your house while getting money from it. Equity Release can help you take it easy and enjoy your retirement.


Do you need asset loans to buy tools or machinery? We can help you get money to buy business assets..

Why go for ‘Mortgage Broker Whangarei’?

Take advantage of Laura Cate's excellent assistance with your mortgage.

If you are looking for a loan, Laura is a mortgage expert who will do everything to get you the best possible outcome.

From Mortgage Lab, Laura has significant industry networks, which offer a wide variety of excellent options of reputable New Zealand lenders.

Your application can be filled out and submitted online, which is a simple and stress-free process. Alternatively, you can meet in person, over the phone, or through a Zoom meeting.

There are solutions available to most people, regardless of their circumstances, because we have access to 26 different lenders.

Achieving the dream of homeownership is a goal for many. While the prospect of a long-term home loan and managing monthly payments may seem challenging, it doesn't have to be a daunting experience. There are positive ways to navigate and make your finances work for you on the path to owning a home.

Opt for a Mortgage Broker prioritising your goals above all else—not the banks.

Whole of marketing lending at your fingertips!

Embrace financial freedom – explore beyond the confines of a single bank!

Getting a mortgage broker doesn't have to be difficult.

Count on the mortgage expert to carefully assess all of your current insurance policies simultaneously.

Get the guidance you need to reach your home goals

You are not responsible for any fees (the bank is the one who pays the fees!)

You can save money on interest payments by remortgaging now.

By letting the industry expert find the ideal financing partner, you can ensure that you receive the best possible rates.

Imagine the freedom you'll have when you no longer have to worry about years of mortgage payments.

Speed up your journey to financial freedom, allowing you to prioritise what truly matters to you!


Laura's goal is to deliver top notch financial tailored loan solutions that can make a huge difference in your life CONTACT US

Laura is all about getting the best deal possible

Best terms

Our relationships are our advantage. With our access to a number of reputable lenders, Laura is able to negotiate the best terms for you. Rates, repayment options and cash contributions should all be considered in your overall structure.

Laura follows up so you don’t have to

Waiting can be hard, so we do the leg work and will be in touch as soon as there are any updates for you.

Laura is resourceful and dedicated

Laura can help you navigate the often complex pre-approval and application process, helping you to achieve your dream of owning a home.

The tougher the loan, the bigger the challenge

Every loan application comes with its own unique challenges, but we’ll go out of our way to ensure that we have considered all options and packaged your application in such a way that we believe you have the highest likelihood of a successful outcome.

Matching you with the right home loan

Laura wants you to get to the finish line on terms that work for you. We’ll assess your financial situation and see to it you get the right home loan that’s reasonable and feasible under the right payment scheme.



Laura Cates unlike a bank morgage advisor works for you. This is crucially important as whenever you are looking to secure a home or finance you want someone who is on your side guiding you in your best interests.


We start with a good ol' fashioned conversation. From there we capture some key information from you and go to 'the whole of market'. This means we can not only reach out to most banks for you, but we if your circumstances are unique also look at alternative lenders. You get to focus on planning your move, whilst we take the hassles away. All whilst saving you $$$.


We earn our commission from the bank*. This does not mean that you are charged anymore for your loan! Because we do the paperwork and application process, this saves the bank staff costs and so these are paid as a commission. Best of all, we can go to 'whole of market' meaning you can potentially save thousands over your mortgage term.

*Some alternative lenders differ, we will always advise you upfront.

The smallest steps can move you forward.

Buying your first home? Dealing with an existing mortgage? Get refinanced at a lower interest rate. Make the right move for your financial well-being and secure a mortgage here in Whangarei with Laura Cates - Your go to Mortgage broker.

Reach out to Laura. Let her know your goals and situation.

Laura works her Mortgage magic to see what is possible without the jargon and nonsense speak.

Secure your mortgage and the next step on your journey.

Laura is here to help. She will assist you through the loan application process and make sure everything is in order. Together, she will tick all the right boxes to satisfy the bank's requirements. Making home ownership, increased borrowing or even debt consolidation a breeze.



What is a Home Loan?

A home loan is funding offered by a bank to help you buy a home. In exchange for this financial support, you enter into a contractual commitment to repay the loan over a set time period. In New Zealand, the bulk of home loans have an average payment period of 20 to 30 years. If you are unable to repay the loan, the bank may sell or claim the property to recoup the outstanding balance. Most New Zealand homeowners can afford their homes thanks to bank financing.

Why would you go to a Mortgage Broker like Laura Cates in Whangarei instead of going straight to the


Traditional banks used to offer personalised service, but those days are over. Many people miss that human touch. But that personal link is brought back to life with a dedicated broker like Laura Cates. If you hire Laura, she will always put your needs first and work hard to get the best result for your

specific case. In her job as a mortgage broker in Whangarei, Laura goes above and beyond. She carefully compares policies, rates, and knows what each bank wants. This in-depth analysis makes sure that you are matched with Whangarei lenders who are most likely to help you and give you the best terms. Laura's skills aren't just about getting you a loan; they're also about building a relationship based on trust, honesty, and a dedication to your financial well-being.

What are the fees that mortgage brokers charge?

Brokers don't usually charge fees. Their pay comes from a fee that banks pay them after your loan is paid off. These commissions are not taken out of your money; instead, banks see them as a cost of getting new customers, like a hiring or marketing cost. In other words, you don't have to pay a broker for their time or service. Still, there are times when a private or non-bank lender may be needed, and the lender may charge a service fee. If this sounds like your case, we will talk about it in detail with you ahead of time. There will be no action taken without your full understanding and permission.

Can you provide information on home loans available for first-time home owners in Whangarei?

Buying a property for the first time in Whangarei can feel overwhelming. Having someone to offer guidance and support can truly make a significant impact when needed. Recognising the significance of an emotional journey is equally as crucial as understanding the financial aspect. We are excited to have the opportunity to help you become a homeowner in Whangarei. Many of Laura's clients are first-time buyers, so she is experienced in assisting people like you.

What about investment purchases or adding to your existing borrowing?

With Laura's expertise in mortgages, she will help you find the perfect solution for your specific requirements. Whether you're interested in consolidating debt, financing home improvements, or purchasing an investment property in Whangarei, she has got you covered. If you're looking to cut down on your expenses while also reducing your total debt, or if you want to make an investment property profitable. Contact us immediately at Mortgage Broker Whangarei to be connected with the perfect mortgage expert for your specific needs.

Is there financing available for new builds? What if I choose to build my dream home in the Whangarei area?

Embracing the construction boom can be a strategic move to gain a competitive edge and secure your dream home. With the current surge in construction activity, there is a wonderful chance to create a home that perfectly reflects your unique preferences and needs. It's important to recognize that the new build lending process can be quite complex.

When you make the decision to finance your new build, a reliable mortgage expert can provide valuable guidance that goes beyond the standard lending process. A Whangarei mortgage broker is there for you every step of the way, offering valuable guidance on navigating the intricacies of construction-related financing. We provide comprehensive guidance on different contract types, offer insights into potential construction challenges, and empower you to make well-informed decisions during the financing process. Our Whangarei mortgage broker is dedicated to providing you with the necessary knowledge to navigate the intricacies of new build lending and turn your dream home into a reality. We aim to empower you throughout the process.

What are the options for fixed rate rollovers or re-mortgaging? Is Mortgage Broker Whangarei able to provide assistance?

Fixed rate rollovers play a crucial role in the mortgage process as they expose your interest rates to fluctuations in the market. Additionally, fixed rate rollovers present an excellent opportunity to explore potential adjustments that could reduce your overall expenses or expedite the repayment of your loan. Collaborating with a skilled mortgage broker can help you enhance your mortgage terms by engaging in meaningful discussions about your financial objectives and preferences. Our dedicated Whangarei mortgage broker is committed to assisting you in making informed decisions that align with your present financial circumstances and your future aspirations.

Wait a second, before you barter your keys for a treehouse! Join me as we go out on the path to discovering your dream home

No matter the size of your home—a cozy cottage, a sprawling apartment, or a brand new condo—we can help you make it more desirable and practical. Find the appropriate Whangarei property that fits your interests and lifestyle so that your home becomes more than simply a place to sleep—it will become your ideal sanctuary.

Let's begin our journey together. Find the best Whangarei mortgage broker for your needs by contacting us today!

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DISCLAIMER – The information, resources, calculators and any other information contained in and on this website are provided as general information and are not intended to be financial advice. Before making any financial decisions, you should consult a professional financial adviser. Nothing on this website is, or should be taken as, an offer, invitation or recommendation to buy, sell or retain a regulated financial product. 1768Degrees Ltd accepts no responsibility for any loss caused as a result of any person relying on any information or calculations in or from this website..

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