Home Finance Experts
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!
Schedule a Call
Use our booking software to schedule a call with a mortgage broker now
Start an Application
Complete your entire application with our digital application software
Calculate
Use our state of the art NZ mortgage calculators to see how much you could be saving
Why Work With Us?
WE WORK FOR YOU
We work for you, in your best interests. 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.
FULL ONLINE SYSTEM
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.
KEEP IT SIMPLE
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 Advice
No matter what your situation
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!
Refinance
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.
Investment
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.
Non-Bank
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.
Send us a Message
Award Winning
Business Blog
Check out our latest blog articles
The time for organising EOFY statements is now
Note to the self-employed: The time for organising EOFY statements is now Being self-employed, whether
The lowdown on low equity premiums
As banks increase their interest rates in line with the Reserve Bank Official Cash Rate,
Total Mortgages named one of the top brokerages for 2022
Total Mortgages has been named one of NZ Adviser’s top New Zealand brokerages for 2022,
The real story on the CCCFA and low deposit lending
Welcome back for 2022! It’s a new year, but the housing market continues to be
New rules make securing finance tough but not impossible for first home buyers
In our last update we discussed how the Reserve Bank’s latest lending restrictions, in place
December Lending Update
Our mortgages and lending update, as the end of 2021 approaches We’re certainly nearing the
