Best Mortgage Brokers in Wellington
We assessed 23 mortgage brokers in Wellington and ranked the top 5 on public rating quality, review volume and how recent the reviews are. The businesses listed below hold 3,497 Google reviews between them. No business can pay for a place in these rankings. Last updated 14 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 in Wellington
The top 5 mortgage brokers in Wellington are #1 Squirrel Wellington, #2 Home Loan Factory, #3 Lendal Mortgages, #4 Bozinoff Mortgages, and #5 Connect Me Mortgages, ranked by Top5 score. Scroll for our take on each, plus what to ask before you choose.
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1
Squirrel Wellington
★ 5.0 988 reviews +20 Top5 Score 2035★ 971 4★ 12 1★ 5Squirrel Wellington gets first-home buyers to settlement across purchases and refinancing, with brokers like Nelson, Rose, Blake, Steven, and Oli fielding extensive questions, switching lenders mid-process, and translating mortgage jargon into plain terms throughout. When one bank proves unsuitable, they pivot to another without drama, and their referral network covers lawyers and insurance brokers so clients have fewer moving parts to manage themselves.
location_on 34 Manners Street, Te Aro, Wellington
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2
Home Loan Factory
★ 5.0 640 reviews +9 Top5 Score 196 -15★ 637 4★ 1 1★ 2Home Loan Factory takes on first home purchases, refinancing, and renovation top-ups, including cases where banks have initially said no. Brokers like Divya, Deepak, Andrew, and Paul have sourced deals across multiple lenders, switched banks mid-process when better offers emerged, and moved clients from specialist lenders to main banks once their situations improved.
location_on 103 Johnsonville Road, Johnsonville, Wellington
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3
Lendal Mortgages
verifiedVerified★ 5.0 316 reviews +9 Top5 Score 189 +15★ 314 4★ 2Lendal Mortgages covers first home purchases, loan restructuring, mortgage top-ups, and cases involving self-employed borrowers with non-standard financial situations. Brokers like Matt, Ari, and Sam are reachable outside business hours, negotiate directly with banks, and will follow up on the client's behalf when things stall.
location_on 2 Broderick Road, Johnsonville, Wellington schedule Open 24 hours
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4
Michael Anastasiadis | Mortgage Adviser Wellington
★ 5.0 367 reviews +4 Top5 Score 183 -25★ 366 1★ 1Bozinoff Mortgages takes first-home buyers from pre-approval through to settlement, explaining mortgage structuring, product options, and lender choices in plain terms at every stage. Crystal handles much of the day-to-day contact, keeping paperwork moving and questions answered promptly so clients can focus on the house hunt itself.
location_on 12/22 Bay Road, Kilbirnie, Wellington
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5
Connect Me Mortgages
★ 5.0 278 reviews +3 Top5 Score 178 -25★ 275 4★ 3Connect Me Mortgages puts first-home buyers through the full journey, from setting realistic borrowing goals and navigating lender negotiations to resolving complications that surface right at the final hour. Advisers Mike and Emma are reachable throughout the process, respond fast, and explain options clearly enough that clients feel confident rather than just compliant.
location_on 170 Endeavour Drive, Whitby, Porirua
Before you choose a mortgage broker in Wellington
Drawn from 186 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, not you, so using a broker costs nothing out of pocket in most cases. Upfront commissions run roughly 0.55% to 0.85% of the loan amount, with trail commissions of around 0.15% to 0.20% per year on the outstanding balance. One reviewer even noted the service came at "the low, low price of free." Under the Financial Markets Conduct Act 2013, brokers licensed by the Financial Markets Authority (FMA) must disclose their commission structure in writing before giving advice.
Do brokers have access to all banks and lenders, or just some? expand_more
No broker covers every lender in the market; each works from an accredited panel that can range from around 10 to 20 or more lenders, including banks, non-bank lenders, and specialist lenders depending on their aggregator group. Reviewers noted brokers pivoting smoothly between banks when one declined, which suggests panel breadth matters in practice.
Ask any broker upfront for their full lender list, including whether they access non-bank and specialist lenders, since a narrower panel limits the options presented to you. Brokers must hold a Financial Advice Provider licence or operate under a licensed entity regulated by the Financial Markets Authority (FMA), and they are legally required to disclose conflicts of interest including which lenders pay them.
What can a broker do that I couldn't do going direct to a bank? expand_more
A broker shops your application across multiple lenders at once, which reviewers credited with securing better rates and cashback deals than they could negotiate themselves with the same bank. Several clients with complex situations, including single-income households with dependants and buyers with low deposits, were approved through a broker after hitting dead ends elsewhere. Beyond rates, brokers handle paperwork, liaise with lawyers and insurers, and know current bank appetite for different borrower profiles, which saves you weeks of trial and error.
What are the warning signs of a mortgage broker you shouldn't use? expand_more
- –Slow or inconsistent communication at critical moments, such as pre-approval deadlines or auction conditions, is a serious red flag given how many reviewers highlighted fast response times as essential.
- –Pushing you toward one lender without explaining alternatives suggests either a limited panel or a conflict of interest that has not been disclosed.
- –Failing to explain loan structure options, fixed versus floating splits, offset facilities, and cashback terms, in plain language means you cannot make an informed decision.
- –Not disclosing their commission in writing before advising you is a legal breach under the Financial Markets Conduct Act 2013 and a sign the broker is not operating transparently.
- –Leaving you to chase the bank yourself rather than proactively managing the process is a pattern that reviewers contrasted negatively with brokers who stayed engaged throughout.
- –Offering no referral network for related needs such as legal advice or insurance, which several reviewers valued as a mark of a thorough, client-focused service.
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 and specialist lenders, since panel size directly affects the range of options you will see.
- –Ask how they are paid, which lenders pay them, and what commission rates apply, as brokers licensed under the Financial Markets Authority (FMA) are required to provide this in writing.
- –Ask who handles the paperwork and bank communications day to day, since reviewers drew a clear distinction between brokers who managed everything and those who left clients to follow up themselves.
- –Ask how they will keep you updated and how quickly they respond to questions, as prompt communication at offer and pre-approval stages was the most cited factor in positive reviews.
- –Ask whether they can help with related needs such as lawyer referrals, insurance, or KiwiSaver advice, since several reviewers valued having a single point of contact across these areas.
Also recommended mortgage brokers in Wellington
Ranked 6 to 10 on the same public review record.
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6
Dawn Whiteside - The Mortgage Advice Company
★ 5.0 207 reviews Top5 Score 176 +15★ 207Dawn Whiteside secures mortgage deals and loan structures for first-home purchases and refinancing, and has sourced rates and rebates that covered clients' legal and moving costs. Across lengthy, uncertain purchase timelines, she stays available throughout, fielding every question without rushing clients toward a conclusion.
location_on 9/11 Kings Crescent, Hutt Central, Lower Hutt
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7
Capital Advice
★ 5.0 196 reviews +10 Top5 Score 175 -15★ 194 4★ 2Capital Advice gets first-home buyers, self-employed borrowers, and property investors to settlement across purchases, refinancing, and mortgage restructuring. Kit and Gareth explain every option in plain terms, including the pros and cons of each structure, and stay in contact through settlement and well beyond it, with some clients returning across decades and multiple properties.
location_on 344 Tinakori Road, Thorndon, Wellington
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8
The Mortgage Advice Company
★ 5.0 169 reviews +3 Top5 Score 172 -15★ 169The Mortgage Advice Company guides clients through first home purchases and loan approvals, with brokers like Dipak, Brock, TJ, and Rob adapting to difficult circumstances including time zone differences and high-pressure crunch situations. When complications arise mid-process, they work through alternative solutions rather than leaving clients to manage the problem themselves.
location_on 9/11 Kings Crescent, Hutt Central, Lower Hutt
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9
Velocity Financial
★ 5.0 168 reviews +1 Top5 Score 1725★ 166 1★ 2Velocity Financial brings first-home buyers through purchase, mortgage structuring, and loan setup, with advisers like Simon, Manisha, Brendon, Suzanna, and Graham each taking an active role in moving deals forward. Clients buying from overseas, going through relationship changes, or taking on tricky bank approvals have all reached settlement with the team's direct involvement at each stage.
location_on 38 Vivian Street, Te Aro, Wellington
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10
Loan Market Scott Yu
★ 5.0 168 reviews +2 Top5 Score 170 +15★ 167 4★ 1Loan Market Scott Yu guides clients through first home purchases, refinancing, and interest rate negotiation, including cases where buyers had spent years with other brokers and got nowhere. Scott explains options at every stage, anticipates questions before they arise, and stays reachable throughout long house-hunting periods so clients are never left waiting to know where they stand.
location_on 20 Moorefield Road, Johnsonville, Wellington
About this ranking
What the 10 mortgage brokers listed above hold, at the 14 September 2026 check.
We first assessed mortgage brokers in Wellington in March 2026 and have rechecked the ranking four times since. Squirrel Wellington has held first place at every check, and Home Loan Factory, Lendal Mortgages and Bozinoff Mortgages have been in the top 5 alongside it throughout. 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
- Aug 2026
- Jun 2026
Connect Me Mortgages entered the top 5 at #5. Dawn Whiteside left the top 5, down to #7.
- Apr 2026
- Mar 2026
First check. Squirrel Wellington #1.
Latest check, 14 September 2026: no change to the top 5. Months where nothing changed at the top are not listed.
How are the top mortgage brokers in Wellington chosen? expand_more
We build this page from Google Maps results for mortgage brokers in Wellington. 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 in Wellington. 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.