A Robust Mortgage to Shape Your Future – Tailored with Care


Turn your Kerikeri Homeownership Dreams into Reality!

Your Kerikeri Homeownership Dreams All Within Reach

Allow us to make the borrowing process easier for you in Kerikeri by connecting you with a competent and reliable mortgage broker.

A mortgage broker can make home loans easy to understand and even get through the application process smoothly, all the way through to acceptance. As loan experts, they can tailor answers to your needs because they have access to many versatile lenders. They can help first-time buyers, people who want to upgrade, and people who want to refinance reach their goal of owning a house. Get that expert advice, clear explanations, and support that can't be beat - let's get you a mortgage broker who cares. Mortgage Broker Kerikeri can connect you with the best mortgage expert.

Navigate Mortgage Hassles Effortlessly – Let Us Take Care of the Details

Getting a mortgage requires a lot of papers, talking to lenders, and meeting deadlines. We at Mortgage Broker Kerikeri take care of a lot of this for you, which saves you time and work. This helps Kerikeri homeowners the most, since they might not have the time or knowledge to go through the mortgage application process on their own.

In order to get you the best interest rates and closing costs, you can count on a mortgage broker in Kerikeri to deal with lenders. Because they can negotiate in your behalf, and even save you a lot of money over the life of the home loan. Let us introduce you to a reputable mortgage broker in Kerikeri to assist you with your needs.

FAQs - Mortgage Broker Services

In short, what does a mortgage broker do?

A mortgage broker helps people who want to borrow money and people who want to give money. They help people get home loans by looking at their finances, giving them advice, and putting them in touch with lenders ho can help them.

If I can go straight to a bank, why should I use a mortgage broker instead?

Let us connect you with a mortgage broker, the type that has a lot of lenders in their network and who can give you range of loan choices. These loan experts can shop around for the best rates and terms on your account, saving you time. Their knowledge can also help you get through the complicated mortgage process.

If my credit score isn't great, can I still use a mortgage broker?

Yes, an mortgage broker expert in Kerikeri can help homeowners with all kinds of credit, even bad credit. They can give you tips on how to improve your credit score and help you look into mortgage choices that work with your budget.

How long does the process of getting a mortgage take with a broker?

The time it takes to get a mortgage can change based on your financial situation, the type of property you want to buy, and the lender you choose. Most of the time, the process takes a few weeks. A mortgage broker expert will work to speed up the process by giving borrowers advice and help make the whole process go smoothly.

Let Laura find the lender that works best for you

Let us Help you Connect with the Best Kerikeri Mortgage Broker

Achieve your homeownership goals, free from any stress.


Purchasing your first home is always an exhilarating experience. So don't give up on your dream, follow Laura's



If your current situation has changed, or if a fixed rate agreement

has expired, it is wise to consider your alternatives.

Debt Consolidation

Merge your debts to reduce them more quickly. Gain independence from

financial constraints through a combined loan.

New Build Finance

Building a new home? Save a substantial amount by obtaining financing for new construction and utilising it selectively as the need arises.

Investment Purchase

Want to add more properties to your portfolio? Call us and get better rates on your investment


Moving & Bridging

Whether you're in a bind financially or need to buy anything before

you sell. A bridging loan can be the best option for you.


You can keep living in your home while releasing funds from it. Find out how Equity Release can help you relax and enjoy retirement.


In need of capital for

expansion? Asset financing to purchase machinery or tools? We can help with business asset financing.

Why go for ‘Mortgage Broker Kerikeri’?

Get first-rate advice on your mortgage matters from Laura Cates.

An expert in loans and lenders, Laura Cates is committed to ensure that you achieve the best possible result.

You should be aware that Mortgage Lab's Laura Cates has a vast industry network that links her to several reputable financial institutions.

Our user-friendly web platform makes the application process quick and easy. On the other hand, you have the option of meeting in person, via phone, or via Zoom.

Laura has a number of alternatives that can fit most people, so it doesn't matter what your situation is. Her network of 26 lenders gives her the leeway to tailor a solution to your needs.

Living the dream of home ownership in Kerikeri is a goal for many. That said, you need to be financially savvy to be able to make your monthly payments on a long-term mortgage, so be prepared for that. But there are other, brighter sides. Benefit from the practical and simplified services offered by an expert mortgage broker in Kerikeri.

Rely on a Kerikeri Mortgage Broker committed to placing your goals ahead of the banks' priorities.

Learn more about 'whole of market' lending.

Have a look at different banking choices.

We've simplified the mortgage broker process for you!

It is possible for Laura to examine existing insurance plans at the same time.

Get where you need to go! If you want to be a homeowner in Kerikeri, Laura can help make that happen!

Don't worry about the fees- they will be covered by the bank.

Get a lower interest rate with a remortgage today!

Allow Laura, a Mortgage Broker Kerikeri specialist to locate the most suitable financing partner for you so you may take advantage of the low rates.

Get out from under your mortgage early and enjoy life on your own terms.

Be debt-free real fast and enjoy more time for the things that truly matter to you!

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 will fight for you, unlike a bank's mortgage consultant. Getting a mortgage or other form of finance requires having someone who supports you and watches out for your interests in Kerikeri.


We kick things off with a conversation, gathering essential information from you before delving into the entire market. This allows us to reach out to numerous banks in Kerikeri and, in case your situation is unique, explore options with alternative lenders. You can concentrate on planning your move, as we handle the intricacies, all while saving you money.


Our commission is earned directly from the bank*, and rest assured, this doesn't result in any additional charges for your loan! By handling the paperwork and application process, we help the bank cut down on staff costs, and they compensate us through a commission. The best part is, we have access to the entire market, potentially saving you thousands throughout your mortgage term.

*Note: Specifics may vary with some alternative lenders, and we will transparently advise you upfront.

Forward movement in Kerikeri often starts with the smallest of steps.

Is this your first property purchase? Dealing with an existing mortgage? Get a lower interest rate by taking out a new loan. The first step toward a financially stable future is to get in touch with Laura Cates, the best mortgage broker in Kerikeri

Laura is here to help. Let her know about your home goals and financing situation.

Laura employs her mortgage expertise to unveil possibilities without any of the confusing jargon. Get the answers you need in Kerikeri

Secure that mortgage and move forward with your plans.

Laura is ready to lend a helping hand. She'll guide you through the loan application process, ensuring every detail is in perfect order. Working together, she'll check all the necessary boxes to meet the bank's requirements, making home ownership, increased borrowing, or even debt consolidation a seamless experience.



What is a Home Loan?

A Home Loan is funding provided by a bank to facilitate your property purchase. In exchange for this financial assistance, you commit to a contractual agreement to repay the loan over a specified period. In New Zealand, the majority of home loans extend over an average payment term of 20-30 years. If, under any circumstances, you are unable to fulfill the loan, the bank may sell or claim the property to recover the outstanding payments. Bank financing is the prevalent means through which most New Zealand homeowners can afford their homes.

What are the benefits of working with a Mortgage Broker In Kerikeri like Laura Cates as opposed to going straight to the bank?

The personalised service we once anticipated from our banks has become a thing of the past. However, with a broker representing your interests, you can rekindle that personal connection with someone genuinely invested in your well-being. They work on YOUR behalf to secure the best possible outcome for your unique situation. In her role as a Kerikeri mortgage broker, Laura meticulously compares policies, rates, and banks' appetites for your specific circumstances. This ensures you're matched with the Kerikeri lenders most likely to provide a favourable outcome on the most favourable terms.

What are the fees associated with mortgage brokers?

Brokers typically do not impose fees. Their compensation comes in the form of a commission paid by the banks after your lending is settled. This commission is not deducted from your funds; rather, banks perceive it as a cost associated with acquiring new clients, similar to a marketing or staffing expense.Hence, the time and service provided by a broker come at no direct cost to you. Nevertheless, in certain scenarios where a private or non-bank lender might be necessary, the lender may charge a service fee. If your situation falls into this category, we will thoroughly discuss it with you well in advance. Nothing will be executed without your complete understanding and authorisation.

What about home loans for first-time home owners in Kerikeri?

Purchasing a property for the first time in Kerikeri could be an intimidating task. Having someone there to guide you, provide guidance, and provide support can make a world of difference at times. An emotional journey is just as important as a financial one. We are thrilled at the chance in having a mortgage expert assist you in becoming a Kerikeri homeowner, since many of Laura's clients are first-time purchasers.

What about Investment purchases or top up existing borrowing?

A mortgage expert like Laura will discover the best choice for your needs, whether you are looking to consolidate debt, fund home improvements, or buy an investment property in Kerikeri. Whether your goal is to reduce your outgoings while simultaneously lowering your overall debt owed or to make an investment property viable. Get in touch with us right now at Mortgage Broker Kerikeri, so we can connect you with the right mortgage expert for your situation.

Does new-build financing exist? What if I prefer constructing my dream home in the Kerikeri area?

Embracing the construction boom is a fantastic strategy for gaining a competitive edge and securing the home of your dreams. With the current surge in construction activity, you have the opportunity to tailor a home to your preferences and needs. However, it's crucial to acknowledge that the new build lending process comes with its intricacies.

When you decide to finance your new build, a trusted mortgage expert can advise you beyond the usual lending process. A kerikeri mortgage broker can stand by you at every step, providing guidance on navigating the complexities of construction-related financing. This includes explaining the nuances of various contract types, helping you understand potential challenges associated with construction, and ensuring that you make informed decisions throughout the financing journey. The goal of a Kerikeri mortgage broker is to empower you with the knowledge needed to confidently navigate the unique aspects of new build lending and make your dream home a reality.

What about Fixed rate rollovers or re-mortgaging? Can Mortgage Broker Kerikeri help?

Fixed rate rollovers are an important step in the mortgage process because they make your interest rates more vulnerable to changes in the market. Also, fixed rate rollovers are a great time to see if small changes could be made to lower your total costs or shorten the length of your loan. You can work together with an expert mortgage broker to find ways to make your mortgage terms better during this time by having thoughtful talks about your financial goals and preferences. A trusted Kerikeri mortgage broker's aim is to help you make choices that are in line with your current financial situation and your long-term goals.

Wait, don't exchange your keys for a treehouse!
Let's discover your ideal home together.

We can help you improve the comfort and utility of your home, whether it's a small cottage, a huge apartment, or a shiny new condo. So that your home is more than just a place to sleep—it will become your ideal sanctuary—let's embark on a journey to find the perfect Kerikeri house that suits your own preferences and lifestyle. Let us connect you with the right Kerikeri mortgage broker 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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