Home Finance Experts

Welcome to Total Mortgages

Modern mortgage advisers trying to make a difference in everyday people’s lives, by demonstrating different options and sharing extensive product knowledge so that you can make informed decisions that will ultimately save you money. Please take a look through the Total Mortgages website, and when you’re ready, be sure to get in contact with us for a FREE no obligation chat, and remember to check out our reviews!

Book Online

Use our booking software to schedule a call with a mortgage broker now

Apply Online

Complete your entire application with our digital application software


Use our state of the art NZ mortgage calculators to see how much you could be saving

Why Work With Us?


We act as your personal “bank manager” so you can avoid those nasty trips to the bank, we’ll compare over 16 banks and lenders and make sure you put you best foot forward the first time, plus we'll negotiate with special offers and discounted interest rates, so you know your in great hands.


You do not need to physically come to our office, our state-of-the-art software enable you to instantly complete an application from your computer or smartphone, no matter where you are in the world. Our universal application is accepted by all our lenders, which dramatically speeding up our processing time.


We'll compare the market for you, with expert knowledge and research to find you the right loan the first time. We take all the legwork out of your application.


No jargon! We keep it simple and everything is explained in layman's terms. We'll be there to guide you through your contracts, help your at auctions, and make sure the wheels don't fall off. We work for you, not the banks, to ensure you get the result you want.

Home Loan Scenarios

Mortgage Broker and Home Loan Specialist Servicing New Zealand Wide

First Home

New to the mortgage market? Don’t worry, we’re not! Total Mortgages will guide you through all the different options including low deposit, non-genuine savings, or using Guarantors.

Next Home

Time for a move? Family growing? Moving area? Whatever the reason Total Mortgages can help with a mortgage approval produced quickly and stress-free so you can get into the serious business of house hunting!


Fed up with your Bank? Mortgage not doing what you want it to do? Looking for a change? Total Mortgages offer advice across the board, Bank, non-Banks, Finance Companies and Private Funds.


At some stage of life, you may find yourself wanting to purchase an investment property, whether it’s your first one, or your fifth one, Total Mortgages will show you all your options to make it feasible.


If your Bank says No because of lack of proof of income or credit issues, Total Mortgages can help. All at rates that will pleasantly surprise you. Self Employed, overseas or adverse Baycorp?

Loan Calculators

Use our state of the art NZ mortgage calculator to see how much you could be saving. 

Get in touch