Best Mortgage Brokers on the North Shore
We assessed 23 mortgage brokers on the North Shore and ranked the top 5 on public rating quality, review volume and how recent the reviews are. The businesses listed below hold 1,532 Google reviews between them. No business can pay for a place in these rankings. Last updated 26 September 2026. How we rank →
Before you hire
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.
Top 5 Mortgage Brokers on the North Shore
The top 5 mortgage brokers on the North Shore are #1 Global Finance, #2 Kris Pedersen Mortgages, #3 Finsol, #4 Jamie Maclennan - Loan Market, and #5 Twine Financial Advisers, ranked by Top5 score. Scroll for our take on each, plus what to ask before you choose.
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1
Global Finance - North Shore
verifiedVerified ↑ 1★ 5.0 195 reviews +22 Top5 Score 183 +25★ 189 4★ 6Global Finance carries first-home buyers, loan top-ups, refinancing, and business lending through to completion, with adviser Rohan coordinating the full process from initial consultation through to rate fixing and cashback negotiations. Clients who have returned across multiple transactions over several years credit his approach to loan structuring for helping them pay off mortgages ahead of schedule and secure competitive fixed rates at each renewal.
location_on 9c Apollo Drive, Rosedale, Auckland schedule Mon–Fri 9:30am–5:30pm · Sat 11am–4pm · Sun Closed
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2
Kris Pedersen Mortgages
↓ 1★ 5.0 287 reviews +10 Top5 Score 182 +15★ 283 4★ 4Kris Pedersen Mortgages gets first-home buyers, refinancers, and investors with complex multi-bank lending through to settlement, coordinating with accountants, lawyers, and lenders when deals require it. Advisers like Ryan, Emily, Jessie, and Eddy are known for explaining mortgage structures in plain terms and staying available throughout long or time-pressured processes.
location_on 388 Lake Road, Takapuna, Auckland
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3
Finsol Financial Advisers North Shore
★ 5.0 188 reviews +9 Top5 Score 177 +15★ 186 4★ 2Finsol takes on messy situations, including purchases that banks have already declined, and works through to settlement covering structuring, lender negotiation, and rate or cashback outcomes. Brokers like Paul, Jordan, and Nadeesha are each known for walking clients through the full process without leaving them to chase updates, which several first-home buyers credit as the reason they ended up in their home at all.
location_on 4B Bute Road, Browns Bay, Auckland
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4
Jamie Maclennan - Loan Market
↑ 1★ 5.0 188 reviews +5 Top5 Score 174 +15★ 185 4★ 3Jamie Maclennan - Loan Market guides clients through first-home purchases, refinancing to new banks, and mortgage restructuring, with a track record of getting settled in time-pressured situations including deals closed the day before rate rises and purchases finalised just before Christmas. Jamie is known for staying in contact proactively when a better deal appears, and for keeping first-home buyers informed through every step without leaving them to chase updates.
location_on 1 Airborne Road, Rosedale, Auckland
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5
Mortgage Broker Auckland: Twine Financial Advisers
↓ 1★ 5.0 184 reviews +3 Top5 Score 1745★ 184Twine Financial Advisers coordinates first-home purchases, refinancing, investment property structuring, and complicated settlements involving simultaneous sales and purchases across multiple lenders. Advisers including Daniel, Eugene, and Galina are known for keeping clients across the detail at every stage, following up with banks, solicitors, and agents on the client's behalf rather than leaving them to chase.
location_on Unit 14/33 Apollo Drive, Rosedale, Auckland
Other suburbs
Before you choose a mortgage broker on the North Shore
Drawn from 200 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 directly, so you pay nothing out of pocket in almost all cases. Upfront commissions run from roughly 0.55% to 0.85% of your loan amount, plus an annual trail of 0.15% to 0.20% on the balance.
The Financial Markets Authority (FMA) requires brokers to disclose this in writing before giving advice. Ask for a full commission breakdown per lender before you commit.
Do brokers have access to all banks and lenders, or just some? expand_more
No broker covers 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 which aggregator group the broker belongs to.
Reviews show clients benefiting when brokers worked across multiple banks simultaneously, including in complex situations involving trusts, self-employment, or split lending structures across two lenders. Ask any broker upfront for their full lender list, and check whether it includes non-bank options, since some situations, such as unusual income structures, are better served by lenders outside the main banks.
What can a broker do that I couldn't do going direct to a bank? expand_more
Brokers compare rates and cashback offers across multiple lenders at once, which reviews show has repeatedly saved clients money they would not have found on their own. Where borrowers faced tricky situations, including self-employment, Family Trust ownership, complex portfolios across two banks, or tight settlement deadlines, brokers knew which lenders had current appetite for those profiles and got approvals that direct bank approaches had failed to secure. Beyond rate shopping, brokers in these reviews coordinated with lawyers, accountants, and agents, chased banks proactively, handled documentation, and kept clients informed at every stage, removing the administrative burden that makes the process stressful when you go it alone.
What are the warning signs of a mortgage broker you shouldn't use? expand_more
- –A broker who asks for documents that seem unnecessary or makes the process more complicated than it needs to be is adding friction, not value.
- –Slow or inconsistent responses at critical moments, such as pre-approval deadlines or conditional periods, can cost you a purchase.
- –If a broker does not proactively explain your loan structure options or leaves you unclear on what you have agreed to, that is a problem.
- –A broker who fails to disclose which lenders they work with, or who never mentions non-bank options without explanation, may have a narrower panel than your situation requires.
- –Lack of proactive contact, such as not reaching out before a refix date or rate change, suggests the relationship ends at settlement rather than continuing to work in your interest.
What should you ask before choosing a mortgage broker? expand_more
- –How many lenders are on your panel, and does it include non-bank and specialist lenders?
- –How are you paid, and can you give me the commission amounts from each lender in writing before I proceed?
- –Have you handled situations like mine, for example self-employment, a trust structure, or lending across two banks?
- –Who will manage my application day to day, and how will you keep me updated throughout the process?
- –Will you handle all communication with the bank, lawyer, and other parties, or will I need to follow up directly?
- –How do you support clients after settlement, such as before refix dates or when market conditions change?
Also recommended mortgage brokers on the North Shore
Ranked 6 to 10 on the same public review record.
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6
MortgageDesign
★ 5.0 164 reviews +5 Top5 Score 171 +25★ 164Mortgage Design Brokers takes first-home buyers, refinancers, and borrowers with challenging structures like family trusts through to approval, handling lender negotiation, loan structuring, and documentation preparation on the client's behalf. Brokers JJ and Clayton are both known for reworking applications multiple times when lenders need more information, staying available throughout, and returning to clients with better rate or cashback outcomes.
location_on 44B Rame Road, Greenhithe, Auckland
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7
Nicola Greene Mortgage Adviser
★ 5.0 99 reviews Top5 Score 163 -15★ 99Nicola Greene secures first-home purchases, refinancing, loan restructuring, and cash retention offers, including applications other brokers turned down as impossible. She is known for staying available through time-pressured settlements, including over Christmas, and for proactively explaining loan structures, bank comparisons, and cash retention options that clients would not have uncovered on their own.
location_on 27 Manuka Road, Bayview, Auckland
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8
Jess Barlow (nee Pronk) The Mortgage Supply Co
↑ 1★ 5.0 74 reviews +4 Top5 Score 162 +15★ 74The Mortgage Supply Co covers first-home purchases, refinancing, loan restructuring, and second mortgages through a named team where multiple advisers, including Jess, Liz, and Kaye, each carry parts of the process rather than leaving one person to manage everything. Clients buying in Auckland specifically credit the team structure for cutting through bank complexity and securing rates, cashback deals, and lending approvals they describe as genuinely hard to land alone.
location_on 15 Anzac Road, Browns Bay, Auckland
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9
Christiana Pollock - Mortgage Adviser
↓ 1★ 5.0 69 reviews +3 Top5 Score 1615★ 69Christiana Pollock works through first-home purchases, refinancing to new banks, mortgage restructuring, and investment property lending, including situations other borrowers describe as tricky or atypical. Where a straightforward broker might default to the easiest lender, she is known for seeking out banks that fit a client's specific values or circumstances, and for suggesting loan structures clients had not considered on their own.
location_on 150B Birkdale Road, Birkdale, Auckland
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10
Wayne Henry Mortgages
★ 5.0 84 reviews +1 Top5 Score 159 +15★ 82 4★ 2Wayne Henry Mortgages carries first-home buyers, refinancers, and clients refixing existing loans through to settlement, with named advisers including Wayne, Karen, Lisa, and Larney each known for keeping clients informed at every stage without waiting to be asked. On longer journeys, advisers have held clients back from rushing decisions and stepped in to coordinate lawyers and building inspectors, outcomes several buyers say made the difference between getting their home or not.
location_on B:Hive Smales Farm level 2/72 Taharoto Road, Takapuna, Auckland
About this ranking
What the 10 mortgage brokers listed above hold, at the 26 September 2026 check.
We first assessed mortgage brokers on the North Shore in March 2026 and have rechecked the ranking four times since. Three different businesses have held first place; Global Finance has held it since September 2026. Kris Pedersen Mortgages, Jamie Maclennan - Loan Market and Twine Financial Advisers have been in the top 5 at every check. Across the 14 locations we assess mortgage brokers in, the 137 businesses listed have a median rating of 5.0, and one-star reviews are 0.4% of their total.
What has changed since March 2026? expand_more
- Sep 2026
Scoring method updated. New first place: Global Finance.
- Aug 2026
Scoring method updated. Christiana Pollock and The Mortgage Supply Co entered the list, at #8 and #9.
- Jun 2026
Scoring method updated. Finsol entered the top 5, up from #6. Mortgage Design Brokers left the top 5, down to #6.
- May 2026
- Mar 2026
First check.
How are the top mortgage brokers on the North Shore chosen? expand_more
We build this page from Google Maps results for mortgage brokers on the North Shore. 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, and a business whose main Google category is a different trade is held back until a person has checked what it does. A business whose website no longer resolves and that has had no Google review for six months is treated as dormant and left off the page until either changes. Every category and city is rechecked on a rolling cycle, about every two to three months. A location with a subscribing business is rechecked every month, and the whole page updates with it. See how we rank for the full method.
What does a business subscription offer? expand_more
No business can pay for a place in these rankings. Claiming and verifying a listing is free. It adds a phone number to the card and a small trust bonus (+3 points) to its score, for confirming a real operator stands behind the listing. The owner also gets a dashboard showing how their score is made up. A paid subscription provides an enhanced card with more ways to reach the business, including a website link and a detailed profile page. It also refreshes this page monthly and adds ranking history and competitor analysis to the owner's dashboard. The subscription adds nothing to the score. Claim your listing or see what a subscription includes.
Why isn't my business listed? expand_more
We build this page from Google Maps results for mortgage brokers on the North Shore. 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. Sometimes we miss a business that should be here. Check where you rank first. If you are not there and think you should be, get in touch.