Receive Special Treatment From New Zealand’s Top Banks And Lenders
Want to find the right home loan without stressing over rates or approval? At Total Mortgages, we are home finance experts. After winning New Zealand’s Top Brokerage award for 2022 and the 2023 year, along with receiving over 500+ 5-star ratings on Google and reviews.io, it seems we’re not the only ones.
Our secret is to pass on industry insider knowledge directly to our customers. We get to know you and your goals – then, we navigate the loan process to help you achieve them. You’ll get special treatment from the banks, a lightning-fast approval outcome, and a done-for-you service from start to finish.
Jump your loan application to the front of the queue.
In 2023, we did $150+ million worth of lending through the banks. So it’s fair to say we have a contact or two in the right places. Being New Zealand’s top brokerage, opens doors for our clients. And it means your application gets sent to the front of the queue!
That’s how we can guarantee a loan application outcome within 15 working days. You won’t have to wait weeks wondering if you’ll get approved, so you can spend that time planning the move into your dream home.
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Access New Zealand’s top lenders
Our unique method to increase your chance of loan approval
We’ve had people come to us with rejected applications… and get them approved within days from the same lender that rejected them. Why risk missing out on loan, when we’ll get you the best possible chance of approval?
A simple industry trick to speed up the application process
Waiting on approval can be nerve-wracking. Use this simple trick to skip the waiting game, so you don’t let your dream home slip through your fingers.
How much you can borrow without sacrificing your lifestyle
If you are borrowing beyond your means, your dream home can quickly turn into a nightmare followed by disappointment. We’ll reveal the home loan amount you should apply for, in line with your income and expenses upfront before you we submit your application
Why we ‘look beyond the loan’ to find you the right mortgage
We believe there’s a perfect home loan for everyone. Discover why the secret to receiving ‘special treatment’ from the banks is all in the details.
Three application tips to unlock your true borrowing power
Wondering whether you can loan enough money for your ideal home? Leverage our top tips to qualify for the largest loan based on your circumstances.
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Leave the application process to our award-winning advisers.
Since starting in 2015, we’ve made a splash in the Kiwi mortgage market. Our personalised approach has already seen us win 9 awards! If you want to be 100% sure you’ve got the best chance at approval – without the stress and hard work – then we’re your go-to mortgage adviser.
We keep it simple every step of the way. No confusing jargon, no annoying trips to the bank, and no comparing countless loans (we’ll do all that for you). The hardest part of your journey will be picking up the keys!
Secure the best possible rate with a loan provider you can trust.
A lot of kiwis go straight to their own bank for a home loan. But have you ever seen a bank recommend a competitor’s product? We didn’t think so! In the mortgage game, loyalty doesn’t pay. And the wrong choice can cost you $100,000s over the course of your loan.
We don’t just look at one bank – we compare all your options, searching rates from the top lenders in the country and matching you with the right one. You’ll feel confident knowing you’ve made a great choice, with a secure loan from a trusted lender, with a trusted adviser who will assist for the life of the loan.
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Book your ‘home loan insider’ call
Simply schedule a call with one of our experts. There’s no cost and no obligation to continue with us afterwards. It’s just a chance to let you in on some industry secrets!
We do the research and hard work
If you feel we’re the right fit for you, we can get started right away. We’ll use our inside knowledge to find the right loan, lender, and rate – while taking care of all the hard work for you.
You receive an outcome in 15 days
Once we’ve got all of your documentation, you’ll know the outcome of your loan application within 15 working days. With our experts on your side, you’ll have the best possible chance of approval.
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The Total Guarantee
Don’t want to be left in the lurch, waiting for weeks to know if you’re approved? We guarantee you’ll receive an outcome on your home loan within 15 working days of providing us with your documentation. And in the extremely unlikely event that you don’t, we’ll ship you a free giftbox! *T&C's apply
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Don’t have all your documentation ready yet? That’s ok. While other advisers won’t give you the time of day, we’ll get you started with just a free ‘Home Loan’ insider call.
Take control of your borrowing power.
Have a home loan expert review your income and expenses to reveal the home loan size you should be applying for!
Get expert advice on your application.
Rates, lender security, speed of the application… We’ll take care of every element so you receive the best possible deal!
All your burning questions answered.
Home loans can be confusing. There really are no silly questions. We’ll reveal what you need to know, without the industry jargon.
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