Stop Searching. Start Choosing.
Top5.nz

Best Mortgage Brokers in Wellington

We assessed 23 mortgage brokers in Wellington 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 3,436 Google reviews between them. No business can pay for a place in these rankings. Last updated 5 August 2026. How we rank →

lightbulb

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 Wellington

The top 5 mortgage brokers in Wellington are Squirrel, Home Loan Factory, Lendal Mortgages, Bozinoff Mortgages, and Connect Me Mortgages, ranked by Top5 score. Scroll for our take on each, plus what to ask before you choose.

  • 1

    Squirrel (formerly The Home Loan Shop)

    ★ 5.0 968 reviews +37 Top5 Score 203 +1
    5★ 951 4★ 12 1★ 5

    Squirrel gets first-home buyers to settlement by walking them through pre-approval, lender negotiation, and paperwork over timelines that can stretch a year or more. Advisers like Steven, Nelson, Rose, and Blake are reachable on weekends and will answer the same question repeatedly until the process makes sense.

    Reviews most often describe: First-home buyers navigating a complex, lengthy process

    • ✓ Advisers respond to questions outside standard business hours including weekends
    • ✓ Patient guidance repeated across months until clients feel ready to offer
    • ✓ Complex situations handled with fast lender turnaround and added referrals

    location_on 34 Manners Street, Te Aro, Wellington

    map Map Is this your business?
  • 2

    Home Loan Factory

    ★ 5.0 631 reviews +26 Top5 Score 197 +1
    5★ 628 4★ 1 1★ 2

    Home 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.

    Reviews most often describe: Complex or declined cases needing persistent, creative structuring

    • ✓ Secured lending after banks initially declined the application
    • ✓ Explained loan structure options clearly with offers from multiple banks
    • ✓ Guided clients from initial application through to later refinancing

    location_on 103 Johnsonville Road, Johnsonville, Wellington

    map Map Is this your business?
  • 3

    Lendal Mortgages

    verified Verified
    ★ 5.0 307 reviews +24 Top5 Score 188 +1
    5★ 305 4★ 2

    Lendal 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.

    Reviews most often describe: First-home buyers and self-employed needing hands-on support

    • ✓ Available after hours to answer questions and provide guidance
    • ✓ Secures competing bank offers so clients can choose the best deal
    • ✓ Returns to existing clients for restructuring and new purchase finance

    location_on 2 Broderick Road, Johnsonville, Wellington schedule Open 24 hours

    call 027 413 4097 map Map
  • 4

    Michael Anastasiadis | Mortgage Adviser Wellington

    ★ 5.0 363 reviews +3 Top5 Score 185
    5★ 362 1★ 1

    Bozinoff 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.

    Reviews most often describe: First-home buyers wanting clear guidance and calm support

    • ✓ Explains mortgage structure and product options in plain language
    • ✓ Crystal manages day-to-day contact and keeps applications on track
    • ✓ Responsive to questions throughout the full purchase process

    location_on 12/22 Bay Road, Kilbirnie, Wellington

    map Map Is this your business?
  • 5

    Connect Me Mortgages

    ★ 5.0 275 reviews +4 Top5 Score 180
    5★ 272 4★ 3

    Connect 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.

    Reviews most often describe: First-home buyers wanting calm, last-minute problem-solving

    • ✓ Stepped in to resolve deal-threatening problems at the final hour
    • ✓ Responded quickly to questions at every stage of the purchase process
    • ✓ Provided financial goal-setting alongside securing the mortgage itself

    location_on 170 Endeavour Drive, Whitby, Porirua

    map Map Is this your business?

Before you choose a mortgage broker in Wellington

Drawn from 156 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 mortgage brokers directly, so most borrowers pay nothing out of pocket. Upfront commissions run between 0.55% and 0.85% of the loan amount, with trail commissions of 0.15% to 0.20% annually on the remaining balance. The Financial Markets Authority (FMA) requires brokers to disclose these commissions in writing before giving advice. Ask any broker for a full breakdown of what each lender on their panel pays them, so you can judge whether the recommendation fits your situation or a higher-paying lender relationship.

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

No broker covers every lender in the market, so the panel they work with directly shapes the options you see. A typical New Zealand broker has access to somewhere between 10 and 20-plus lenders, which may include registered banks, non-bank lenders, and specialist lenders, depending on the aggregator group they belong to. Some reviewers noted their broker sourced offers from two banks simultaneously, giving them genuine room to choose, which suggests panel breadth matters in practice. Ask any broker upfront for their full lender list, and if your situation is complex, check whether non-bank lenders like Avanti Finance are included, since some borrowers in the reviews only got approved through a specialist lender first.

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

A broker compares live offers across multiple lenders at once, which individual borrowers cannot easily replicate given banks rarely show you a competitor's rate. Reviewers with complex situations, including weak credit histories, non-standard incomes, and urgent timelines, found brokers knew which lenders had current appetite for their profile, saving significant time and avoiding declined applications. Brokers also handle paperwork, chase banks directly, manage valuations and offer conditions, and in several reviewed cases switched lenders mid-process when a better deal emerged, something a borrower managing one bank relationship would have missed.

What are the warning signs of a mortgage broker you shouldn't use? expand_more
  • –Slow responses at critical moments, such as pre-approval deadlines or auction days, are a serious red flag given how fast Wellington property deals move.
  • –A broker who cannot clearly explain loan structure options, fixed versus floating splits, or repayment strategies is not adding value beyond filling out paperwork.
  • –Watch out for brokers who do not disclose which lenders they work with or how they are paid, as this is a legal requirement under the Financial Markets Conduct Act 2013 and its absence signals a compliance problem.
  • –If a broker pushes a single lender without explaining why others were ruled out, the recommendation may reflect commission rather than fit.
  • –A broker who leaves you to follow up with the bank yourself, rather than managing bank communication directly, is not doing the core of the job.
  • –Limited contact hours matter, several reviewers specifically valued brokers who responded on weekends or evenings, and a broker who is hard to reach during a fast-moving purchase is a practical liability.
What should you ask before choosing a mortgage broker? expand_more
  • –Ask how many lenders are on their panel and request the full list, including whether non-bank and specialist lenders are included.
  • –Ask exactly how they are paid, which lenders pay them, and whether any lender pays a higher commission than others.
  • –Ask how they will keep you updated throughout the process and whether they will handle all bank communication directly or expect you to follow up yourself.
  • –Ask whether they have experience with situations like yours, whether that is low deposit, complex income, refinancing, or a tight settlement timeline.
  • –Ask how quickly they can turn around a pre-approval and what happens if a deal moves fast, given several reviewers highlighted same-day or weekend responsiveness as decisive.
  • –Ask whether they can present offers from more than one bank simultaneously so you have a genuine choice at the point of decision.

Mortgage Brokers ranked 6 to 10 in Wellington

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

  • 6

    Dawn Whiteside - The Mortgage Advice Company

    ↑ 1
    ★ 5.0 207 reviews +9 Top5 Score 175 +1
    5★ 207

    Dawn 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.

    Reviews most often describe: First-home buyers and refinancers wanting patient, responsive guidance

    • ✓ Answers questions promptly throughout lengthy first-home purchase timelines
    • ✓ Refinancing process described as smooth and stress-free by multiple clients
    • ✓ Finds loan structures with rebates that offset legal and moving costs

    location_on 9/11 Kings Crescent, Hutt Central, Lower Hutt

    map Map Is this your business?
  • 7

    Capital Advice

    ↓ 1
    ★ 5.0 186 reviews +4 Top5 Score 175
    5★ 184 4★ 2

    Capital Advice handles first home purchases, refinancing, loan restructuring, and investment property finance, with brokers Kit and Gareth guiding clients through each stage in plain terms. They have turned around pre-approvals at short notice for tight tender deadlines, negotiated rates directly with banks, and helped clients structure repayments across portfolios held for a decade or more.

    Reviews most often describe: Long-term clients across purchases, refinancing, and investment properties

    • ✓ Secures pre-approvals at short notice for tight tender deadlines
    • ✓ Negotiates directly with banks to get better interest rates for clients
    • ✓ Supports clients across multiple purchases and refinances over many years

    location_on 344 Tinakori Road, Thorndon, Wellington

    map Map Is this your business?
  • 8

    The Mortgage Advice Company

    ★ 5.0 166 reviews +5 Top5 Score 173
    5★ 166

    The 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.

    Reviews most often describe: First-home buyers and complex cases needing step-by-step guidance

    • ✓ Walked clients through each step in plain, easy-to-understand terms
    • ✓ Found workable solutions when unexpected problems arose during applications
    • ✓ Stayed responsive and patient throughout stressful, time-sensitive situations

    location_on 9/11 Kings Crescent, Hutt Central, Lower Hutt

    map Map Is this your business?
  • 9

    Velocity Financial

    ★ 5.0 167 reviews +6 Top5 Score 172 +1
    5★ 165 1★ 2

    Velocity 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.

    Reviews most often describe: First-home buyers wanting one team for every step

    • ✓ Advisers negotiate with banks directly on difficult-to-approve properties
    • ✓ Clients managed remotely when buying property from overseas
    • ✓ Loan structure explained clearly at each stage of the purchase

    location_on 38 Vivian Street, Te Aro, Wellington

    map Map Is this your business?
  • 10

    Loan Market Scott Yu

    ★ 5.0 166 reviews +3 Top5 Score 169
    5★ 165 4★ 1

    Loan 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.

    Reviews most often describe: Buyers who tried other brokers without success

    • ✓ Secured pre-approvals across multiple banks for first home buyers
    • ✓ Returned for repeat transactions after successful first purchase
    • ✓ Answered questions promptly throughout extended house-hunting periods

    location_on 20 Moorefield Road, Johnsonville, Wellington

    map Map Is this your business?

Related Wellington rankings

sell Real Estate Agents fact_check Building Inspectors home_work Property Managers All Wellington rankings arrow_forward

About this ranking

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. 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 once a month. This page was last checked on 5 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 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. At the last update, the smallest review count among the 10 businesses listed here was 166. Check where you rank or read how rankings work.