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Best Mortgage Brokers in Napier and Hastings

We assessed 24 mortgage brokers in Napier and Hastings and ranked the top 5 on their public review record: rating quality, review volume and how recent the reviews are. The 10 listed below hold 2,909 Google reviews between them. No business can pay for a place in these rankings. Last updated 15 August 2026. How we rank →

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Before you hire

A mortgage broker accesses multiple lenders and can often find better rates or structures than going directly to a bank. Ask how many lenders they work with, whether they are paid a commission by the lender, and how they will explain your options if the cheapest rate is not necessarily the best structure for your situation.

Top 5 Mortgage Brokers in Napier and Hastings

The top 5 mortgage brokers in Napier and Hastings are The Team, Finsol, The People's Company, Debbie Reed - Loan Market, and MTF Finance, ranked by Top5 score. Scroll for our take on each, plus what to ask before you choose.

  • 1

    The Team - Mortgage Brokers

    ★ 5.0 1,163 reviews +27 Top5 Score 192
    5★ 1,162 4★ 1

    The Team gets first-home buyers from initial eligibility questions through to settlement, with brokers including Cam, Danny, Te Awe, Matthew, and Ryan each guiding clients individually across the full process. Multiple advisers have worked with clients months before purchase was possible, mapping out a plan and staying available outside business hours when offers were on the table.

    Reviews most often describe: First-home buyers needing hand-holding from start to settlement

    • ✓ Brokers begin working with buyers months before they are purchase-ready
    • ✓ Available to answer calls and questions outside normal business hours
    • ✓ Explains mortgage process step by step so buyers feel fully informed

    location_on 74 Tennyson Street, Napier South, Napier

    map Map Is this your business?
  • 2

    Finsol Financial Advisers Napier

    verified Verified
    ★ 5.0 617 reviews +6 Top5 Score 187
    5★ 600 4★ 14 1★ 3

    Finsol guides clients through refinancing and first-home purchases with brokers including Emma and Stuart coordinating everything once an offer is accepted. Reviewers across both buying scenarios point to availability outside standard hours as a concrete difference, with brokers taking calls, emails, and texts according to what each situation needed.

    Reviews most often describe: Buyers wanting flexible, after-hours broker access

    • ✓ Brokers available by phone, email, or text outside business hours
    • ✓ First-home buyers guided through every step until settlement
    • ✓ Refinance process handled end-to-end with no fuss reported

    location_on 9 Customs Quay, Ahuriri, Napier schedule Mon–Fri 8am–5pm · Sat–Sun Closed

    language finsol.co.nz call 06 650 5162 map Map verified View profile
  • 3

    The People's Company

    ★ 4.9 209 reviews -1 Top5 Score 168
    5★ 205 4★ 1 1★ 3

    The People's Company secured loans for clients who had already been declined by banks and previous brokers, including self-employed borrowers and those with unusual deposit situations. Brokers like Danny, Matt, and Rachel work across first-home purchases, top-ups, and investment finance, and reviewers note results arriving within days rather than weeks.

    Reviews most often describe: Complex cases other brokers or banks turned down

    • ✓ Secured finance after banks and other brokers said no
    • ✓ Brokers available on weekends and outside standard business hours
    • ✓ Worked to tight offer deadlines without turning back last-minute decisions

    location_on 65 Emerson Street, Napier South, Napier

    map Map Is this your business?
  • 4

    Debbie Reed - Loan Market

    ★ 5.0 171 reviews +6 Top5 Score 167 +1
    5★ 171

    Debbie Reed - Loan Market covers first-home purchases, refinancing, investment property mortgages, and loan restructuring, with Debbie doing the bank research and paperwork so clients are not dealing with lenders directly. Reviewers in high-stress situations, including separation and auction day, point to her stepping in as a personal advocate rather than a transaction processor.

    Reviews most often describe: Clients wanting a single broker across the full journey

    • ✓ Handles all bank paperwork and research on the client's behalf
    • ✓ Breaks down mortgage options into plain terms before recommending
    • ✓ Attends auctions and key milestones alongside clients in person

    location_on 114 Queen Street East, Hastings

    map Map Is this your business?
  • 5

    MTF Finance Hastings

    ★ 5.0 162 reviews +3 Top5 Score 166
    5★ 157 4★ 5

    MTF Finance moves borrowers through personal loan and vehicle finance applications at pace, with staff including Tasha, George, and Rheace each taking individual clients from first contact to approval. Reviewers across multiple loan types point to staff taking time to explain terms and conditions clearly rather than simply processing paperwork.

    Reviews most often describe: Straightforward loan approvals handled quickly and personally

    • ✓ Staff explain loan terms clearly so borrowers understand each step
    • ✓ Fast approvals reported across multiple separate loan applications
    • ✓ Named staff praised individually for making the process stress-free

    location_on 100 Queen Street East, Hastings

    map Map Is this your business?

Before you choose a mortgage broker in Napier and Hastings

Drawn from 180 customer reviews collected for this page. The first answer is what it costs.

What does a mortgage broker cost, and who pays? expand_more

Lenders pay brokers a commission, so borrowers pay nothing directly in most cases. Upfront commissions run between 0.55% and 0.85% of the loan amount, with an annual trail commission of 0.15% to 0.20% on the outstanding balance. By law, brokers must disclose in writing how they are paid, which lenders pay them, and the commission amounts before giving advice. Before committing, ask for a full breakdown of what each lender pays, so you can judge whether the recommendation suits your situation or favours a higher-paying lender.

Do brokers have access to all banks and lenders, or just some? expand_more

No broker in New Zealand has access to every lender in the market, and panel sizes vary widely, ranging from around 10 lenders up to 20 or more depending on the broker's aggregator group. Some brokers include non-bank and specialist lenders on their panel, which matters if your income situation is complex or a mainstream bank has turned you down. Ask any broker upfront for their full lender list, including whether they work with non-bank lenders, before you commit to working with them. It is also worth approaching at least one bank directly to compare what you are being offered against the broker's recommendation.

What can a broker do that I couldn't do going direct to a bank? expand_more

A broker shops across multiple lenders at once, which gives you a comparison a single bank visit cannot provide. Reviews highlight cases where brokers secured approvals that banks had already declined, including for self-employed borrowers and first-home buyers who had been told they needed two years of financials before qualifying. Brokers also handle the paperwork, chase banks on your behalf, coordinate with lawyers, and keep things moving at critical moments like tight offer deadlines, saving you significant time and stress.

What are the warning signs of a mortgage broker you shouldn't use? expand_more
  • –One review described a broker who promised to offset insurance costs by scaling back ACC contributions but never followed through, then stopped responding to correspondence entirely, including contact from the FMA.
  • –A broker who does not proactively chase banks or other parties at critical moments, leaving you to follow up yourself, is a clear risk at offer deadlines.
  • –Slow or inconsistent communication during the pre-approval stage can cost you a purchase, so watch for brokers who are hard to reach outside business hours when it matters.
  • –Limited lender panel access that is not disclosed upfront means you may not be getting the full picture of what is available to you.
  • –A broker who does not explain your options clearly in plain language, or who tells you only what you want to hear rather than what you need to hear, is not acting in your best interest.
  • –If a broker is not providing written disclosure of their commissions and conflicts of interest before giving advice, they are not meeting their legal obligations under NZ financial advice law.
What should you ask before choosing a mortgage broker? expand_more
  • –Ask how many lenders are on their panel and whether it includes non-bank or specialist lenders, so you know how broad your options actually are.
  • –Ask how they are paid, which specific lenders pay them, and the commission amounts, since this is a legal disclosure requirement and the answer helps you assess any potential bias.
  • –Ask how long the process is likely to take for your situation, as reviews show turnaround times ranging from a few days to several months depending on complexity.
  • –Ask whether they will handle all paperwork and bank communications directly, or whether you will need to chase things yourself at key stages.
  • –Ask how they will keep you updated throughout, including whether they are available outside business hours when offers and deadlines arise.
  • –Ask whether they have experience with borrowers in your specific situation, such as self-employment, low deposit, or complex loan structures, since specialist knowledge makes a real difference to outcomes.

Mortgage Brokers ranked 6 to 10 in Napier and Hastings

They scored below the top 5 on the same public review record.

  • 6

    MortgageMe Hawke's Bay

    ★ 5.0 149 reviews +2 Top5 Score 165
    5★ 145 4★ 4

    MortgageMe brings first-home buyers through the full mortgage process, with Nigel, Debbie, Chris, and William each staying in contact at every stage and fielding questions without making clients feel like a burden. Several reviewers with young families or complex working hours describe the team adjusting around their schedules to keep things moving, not the other way around.

    Reviews most often describe: First-home buyers who need patient, step-by-step guidance

    • ✓ Keeps clients updated at every stage without being chased
    • ✓ Answers multiple questions quickly with detailed, clear responses
    • ✓ Accommodates clients with unusual hours or family pressures
    map Map Is this your business?
  • 7

    CM Financial Advisers - Judy Steiner and Peter Barry

    ★ 5.0 130 reviews Top5 Score 163
    5★ 124 4★ 6

    CM Financial Advisers has built a track record across first-home purchases, refinancing, and ongoing mortgage and insurance reviews, with brokers Judy and Peter each taking individual clients through every step rather than handing off at settlement. Judy in particular has clients returning across six to fourteen years, with annual follow-ups and availability any day of the week as part of how she works.

    Reviews most often describe: Long-term clients wanting a broker who stays involved

    • ✓ Clients return to Judy and Peter for multiple mortgage transactions over years
    • ✓ Brokers explain each step so first-home buyers understand what is happening
    • ✓ Available outside standard hours to answer questions as they come up

    location_on 195 Dickens Street, Napier South, Napier

    map Map Is this your business?
  • 8

    dm consult mortgages + insurance

    ★ 5.0 123 reviews +2 Top5 Score 163
    5★ 123

    DM Consult handles first-home purchases, investment property finance, loan restructuring, and refixing, with brokers Darrin and Emma each taking clients individually from application through to settlement. Reviewers across multiple transactions describe coming back years later for new purchases and top-ups, with both brokers coordinating around work schedules and keeping clients updated at every stage rather than going quiet between milestones.

    Reviews most often describe: Returning clients buying, refixing, or restructuring over time

    • ✓ Both brokers have helped the same clients across multiple separate transactions
    • ✓ Schedules meetings around clients working full-time rather than standard hours
    • ✓ Clients kept updated throughout the process rather than left to follow up

    location_on Level 1/1 Napier Road, Havelock North

    map Map Is this your business?
  • 9

    Latch Finance

    ★ 5.0 88 reviews Top5 Score 158
    5★ 88

    Latch Finance gets clients across first-home purchases, refinancing, and second property lending, with Darren working alongside borrowers for months or years before a deal is ready to move. He sources competing offers from multiple banks, advises on loan structure and interest rate timing, and coordinates with lawyers and other professionals so clients are not managing those relationships themselves.

    Reviews most often describe: Buyers needing patient guidance over a long timeline

    • ✓ Works with clients for months or years before purchase is possible
    • ✓ Sources competing offers from multiple banks to find best terms
    • ✓ Available outside business hours to answer questions as they arise

    location_on 246A Durham Drive, Havelock North

    map Map Is this your business?
  • 10

    CM Financial Advisers

    ★ 4.9 97 reviews Top5 Score 158
    5★ 91 4★ 6

    CM Financial Advisers turned homeownership from a pipe dream into a settled purchase for clients who had written off the possibility entirely, with broker Steve working persistently across multiple finance approvals until circumstances aligned. Reviewers point to Steve returning to the process without hesitation each time a deal fell through, and to his fast email responses keeping clients informed at every point along the way.

    Reviews most often describe: Buyers who felt homeownership was out of reach

    • ✓ Broker Steve re-engaged clients repeatedly after deals fell through
    • ✓ Fast email responses throughout the mortgage application process
    • ✓ Clear explanations given at each step so clients understood decisions

    location_on 310 Avenue Road East, Hastings

    map Map Is this your business?

Related Napier and Hastings rankings

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About this ranking

How are the top mortgage brokers in Napier and Hastings chosen? expand_more

We build this page from Google Maps results for mortgage brokers in Napier and Hastings. Each one is scored on its public rating and review record. Businesses outside the area, or whose reviews describe a different line of work, are left out. See how we rank for the full method.

How often are rankings updated? expand_more

Every category and city is recrawled on a rolling cycle, about every two months. This page was last checked on 15 August 2026.

Can a business pay to appear in this list? expand_more

No. Top 5 and Also Recommended positions are merit-only and cannot be purchased. Verifying a business is free. A subscription adds a website link on the card, a public profile page, and competitor and ranking history in the owner's dashboard, none of which affects ranking position. See what a subscription includes.

Why isn't my business listed? expand_more

We build this page from Google Maps results for mortgage brokers in Napier and Hastings. The usual reasons for missing out are a Google Business category that does not match, too few reviews to score near the top, or an address outside the area we cover. At the last update, the smallest review count among the 10 businesses listed here was 88. Check where you rank or read how rankings work.