Mortgage Broker Auckland
First homes, refinancing, and investment property across Auckland. Compared with 16+ lenders, and arranged by video.
Independent mortgage advice for Auckland
Auckland lending usually turns on the deposit and the weekly repayment, more than the rate in the advertisement. An apartment in the city, a house in Henderson, and a first home on the Hibiscus Coast each ask a lender something different. Body corporate fees, a car loan, or a deposit under 20% can change the answer.
Appointments are by video with an adviser from our Paraparaumu team. You bring the same documents you would bring to the office. We are FMA licensed (FSP665511), independent of any one bank, and we compare 16+ lenders. Mortgage advice is free to you. The lender pays a commission when the loan settles.
If KiwiSaver is part of the deposit, the withdrawal and the loan have to be ready together. You leave $1,000 in the account, and you need three years of membership for a home you will live in. The First Home Grant closed on 22 May 2024.
Apartments and houses
Body corporate levies are part of the expenses, and some buildings are harder to lend on than a house on a full site. We read the disclosure before an application goes to a lender.
A house on the North Shore, in West Auckland, or in South Auckland is a separate conversation: the land, the insurance, and whether a smaller deposit adds a low-equity margin. That cost should sit beside the repayment before you commit.
The first appointment
We start with income, existing debts, and what the deposit is made of. Bring photo ID, recent payslips, or two years of financial statements if you are self-employed, and a KiwiSaver statement if that balance is part of the deposit. You do not need a property chosen.
Pre-approval usually lasts about 60 to 90 days, and it needs another look if your income changes. In Auckland it is worth having the number before you offer.
Across Auckland
- Central Auckland
- North Shore
- West Auckland
- South Auckland
- East Auckland
- Hibiscus Coast
Also advising in
Request a mortgage appointment
Send a few details and we will arrange a video appointment with an adviser.
The advisers
Who arranges the mortgage
The lending team is based in Paraparaumu. You meet them at the office, at home in the Wellington region, or by video.
Richard Banks
Managing Director
Founded Orange Network in 2010 and still sits with clients on the mortgage, from the first conversation through to settlement.
Chad Weber
Head of Lending
Leads the lending team. First homes, refinancing, investment, and construction, across 16+ lenders.
Lindsay Hill
Relationship Manager — Mortgages
Mortgage adviser for home buyers and investors. Meets across Wellington, Kapiti, Levin, and further afield.
Adelaide Levy
Relationship Manager — Mortgages
First homes, pre-approval, and refinancing, with a clear view of whether a better structure is available.
The panel
Compared before anyone picks a bank
Major banks and specialist funders. The name on the recommendation is the one that fits the application, not the one with the loudest rate.
A sample of the panel. Not every application goes to every lender.
Frequently Asked Questions
- Do you have an office in Auckland?
- Our office is at Coastlands in Paraparaumu. Auckland appointments are by video, with the same documents and the same lender comparison as a meeting in person.
- Can you help with an Auckland apartment?
- Yes. Body corporate fees and the building itself change what a lender will consider. We look at those before the application goes in.
- Do you help first home buyers in Auckland?
- Yes. We look at borrowing power, the deposit, and KiwiSaver withdrawal timing before you make an offer.
- Is mortgage advice free?
- Yes. There is no upfront fee for mortgage advice. Orange Network is paid a commission by the lender when the loan settles.
- Which parts of Auckland do you cover?
- All of it, including the North Shore, West Auckland, South Auckland, East Auckland, and the Hibiscus Coast. The appointment is by video wherever the property is.
Ready to get started?
Book a video appointment with an adviser from our Paraparaumu team. We will work through the lending with you.