Best Mortgage Brokers in New Plymouth

We assessed 9 mortgage brokers in New Plymouth and ranked the top 5 on public rating quality, review volume and how recent the reviews are. The businesses listed below hold 359 Google reviews between them. No business can pay for a place in these rankings. Last updated 22 September 2026. How we rank

Top 5 Mortgage Brokers in New Plymouth

The top 5 mortgage brokers in New Plymouth are #1 Stephanie Murray Mortgages, #2 Sai Rane Mortgages, #3 Melanie Bielawski Mortgages, #4 Jason Bruce Mortgages, and #5 HTL Group, ranked by Top5 Score.

  • 1

    Stephanie Murray Mortgages

    ★ 4.9 168 reviews Score 165
    Highest
    5★ 164 4★ 2 2★ 1 1★ 1

    Stephanie Murray Mortgages gets first-home buyers, self-employed applicants, and those refixing or restructuring existing loans through to approval, negotiating across multiple banks to find better rates than clients could secure on their own.

    47 Queen Street, New Plymouth Central, New Plymouth

    Call 0800 330 022 Map Is this your business?
  • 2

    Sai Rane Mortgages

    Verified
    ★ 5.0 77 reviews Score 159
    5.4 behind
    5★ 77

    Sai Rane Mortgages takes first-home buyers, refinancers, and those structuring split loans through the full process, from initial options to settlement with a lender like ANZ. Sai is routinely available late at night and on weekends, which multiple clients working full-time hours specifically called out as the reason the process felt manageable.

    Highfield Place, Highlands Park, New Plymouth Open 24 hours

    Call 022 158 1638 Map
  • 3

    Melanie Bielawski Mortgages

    ★ 5.0 34 reviews Score 145
    19.2 behind
    5★ 34

    Melanie coordinates first-home purchases, refinancing, and complex lending situations including self-employed applications and tight settlement timelines, staying in contact via text, email, and phone at every stage.

    392 Saint Aubyn Street, Lynmouth, New Plymouth

    Call 027 222 5666 Map Is this your business?
  • 4

    Jason Bruce Mortgages

    ★ 5.0 27 reviews Score 142
    22.3 behind
    5★ 27

    Jason Bruce Mortgages covers first-home purchases, investment property finance, commercial lending, and section loans, with Jason drawing on his own experience as a property investor to help clients structure split banking, revolving credit, and cross-lending across multiple properties.

    Call 027 278 2336 Map Is this your business?
  • 5

    The HTL Group - Insurance, Investments & Mortgage

    ★ 4.7 20 reviews Score 132
    32.8 behind
    5★ 18 2★ 1 1★ 1

    HTL Group gets first-home buyers, second-home purchasers, and investors through mortgage approval, including clients buying from outside New Zealand and newly settled residents who needed extra groundwork to secure lending.

    27 Eliot Street, New Plymouth Central, New Plymouth

    Call 0508 267 267 Map Is this your business?

More rankings

More services in New Plymouth 5 links
Mortgage Brokers elsewhere in New Zealand 4 links

Before you choose a mortgage broker in New Plymouth

A mortgage broker or mortgage adviser accesses multiple lenders and can often find a better home loan rate or structure 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.

The questions below are drawn from 276 customer reviews collected for this page.

What does a mortgage broker cost, and who pays?

Lenders pay brokers directly, so you pay nothing out of pocket in almost all cases. Upfront commissions run from around 0.55% to 0.85% of your loan amount.

Trail commissions of roughly 0.15% to 0.20% per year are also paid by lenders on your outstanding balance. Under the Financial Markets Conduct Act 2013, brokers regulated by the Financial Markets Authority (FMA) must disclose exactly how they are paid, in writing, before giving you advice.

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

No broker in New Zealand has access to every lender in the market. Most work from a panel of roughly 10 to 20 lenders, which may include registered banks, non-bank lenders, and specialist lenders depending on the broker's aggregator group.

Ask any broker upfront for their full lender list, including whether they can access non-bank lenders for situations like low deposits or unusual income structures. Brokers licensed under the Financial Markets Authority (FMA) via the Financial Markets Conduct Act 2013 are required to disclose their panel and any conflicts of interest, so you are entitled to that information before you commit.

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

A broker compares multiple lenders at once and knows which banks currently have appetite for your specific borrower profile, saving you the risk of collecting unnecessary credit declines. Reviews highlight cases where brokers secured approval for applicants who doubted it was possible, including complex situations involving self-employment, overseas income history, and tight settlement deadlines. Brokers also handle paperwork, negotiate cashback and rate offers, and structure loans across split banking or revolving credit facilities in ways most borrowers would not know to ask for.

What are the warning signs of a mortgage broker you shouldn't use?
  • –A broker who stops responding during an active offer period is a serious risk, one review describes an approach to making an offer with finance unresolved because the broker became unreachable after a holiday.
  • –Slow responses at pre-approval deadlines can cost you a property, especially in competitive offer situations where finance conditions need to move fast.
  • –Watch for brokers who do not proactively explain your options in plain language, leaving you to chase updates rather than keeping you informed at each milestone.
  • –Limited lender access without disclosure is a problem, because you may be placed with a lender that suits the broker's panel rather than your situation.
  • –A broker who only processes the loan without discussing loan structure, interest rate splits, or long-term cost implications is not giving full advice.
What should you ask before choosing a mortgage broker?
  • –Ask how many lenders are on their panel and whether non-bank or specialist lenders are included, especially if your income or deposit situation is not straightforward.
  • –Ask exactly how they are paid, including which lenders pay higher commissions, so you can assess whether the recommended product genuinely suits you.
  • –Ask how they will keep you updated throughout the process and what their expected response time is for questions, since reviews show fast communication is one of the clearest markers of a good broker.
  • –Ask whether they will handle all paperwork and bank correspondence directly, or whether you will need to manage parts of the process yourself.
  • –Ask if they have experience with borrower situations like yours, whether that involves being self-employed, purchasing from overseas, or structuring around investment properties.
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About this ranking

What the 9 mortgage brokers listed above hold, at the 22 September 2026 check.

168
reviews held by the #1 ranked business
20
reviews held by the #5 ranked business
4.2
lowest rating among the 9 listed
1.1%
of their 359 reviews are one-star
How are the top mortgage brokers in New Plymouth chosen?

We build this page from Google Maps results for mortgage brokers in New Plymouth. Each one is scored on its public rating and review record, using the same published method on every page. Businesses outside the area, or whose reviews describe a different line of work, are left out. Every category and city is rechecked on a rolling cycle, about every two to three months. See how we rank for how rankings are made and who is left out. On specialist pages like this one, a business's reviews count in proportion to how many of them are about mortgage brokers, so a business mostly reviewed for other work cannot win on review volume alone. See the words we look for.

Are you a mortgage broker in New Plymouth?

No business can pay for a place in these rankings. Claiming and verifying your listing is free: it adds a small trust bonus (+3 points) to your score, for confirming a real operator stands behind the listing, and gives you a dashboard showing how your score is made up. A paid subscription adds a website link, a profile page and your ranking history. Claim your listing or see what a subscription includes.

Not listed? The usual reasons 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. Check where you rank first, and if you think we missed you, get in touch.

How far is each one from you?

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