FAQs
Questions about using a mortgage broker
Do you give mortgage advice?
No. We pass your enquiry to one mortgage broker or lender, who can get in touch to talk through your options.
Who will get in touch with me?
One mortgage broker or lender we've chosen to work with. They should give you their own disclosure before you go ahead.
See how it worksHow are you paid?
We're a referral service and may receive a commission from the mortgage broker or lender we pass your enquiry to.
Do I pay a mortgage broker in NZ?
Mortgage brokers are usually paid a commission by the lender when you draw down the loan, and some may charge a fee in certain situations. They have to tell you how they're paid before you go ahead.
What happens to my details?
We pass your details to the mortgage broker or lender handling your enquiry, so they can get in touch.
Read our Privacy policyCan I ask for a different broker or lender?
Yes. Just let us know and we can pass your enquiry to a different mortgage broker or lender, or you're welcome to go elsewhere.
Do I have to meet in person?
Usually not. Many mortgage brokers and lenders work by phone, video and email, and they'll let you know how they like to meet.
Can you help with insurance too?
Yes. Tick the Tower box when you tell us what you need and we'll include a link to a Tower insurance quote. We earn an ongoing commission from Tower on any policy bought through that link.
Tell us what you needI'm a mortgage broker. Can I work with you?
Yes, we're always happy to hear from mortgage brokers who'd like warm, consented introductions.
See how it works for brokersHow soon will someone get in touch?
One mortgage broker or lender can get in touch, usually within one working day.
How long does mortgage pre-approval take in NZ?
It depends on the lender and how complete your paperwork is. A broker or lender can tell you what they need and roughly how long it usually takes.
What if my situation changes after I've sent my details?
Just let your broker or lender know, or get back in touch with us. Sending your details doesn't lock you into anything.
Do you work with people anywhere in New Zealand?
Yes. Many brokers and lenders work by phone and video, so it doesn't matter where you live.
Using a mortgage broker onlineLooking at a first home? Online Mortgages, part of the same group, has a 90-second first home check.
Thinking about refinancing? Online Home Loans, part of the same group, has a 60-second refinance check.