Top 5 Tauranga mortgage brokers

A mortgage broker is your link to the bank. This means they’re going to take all your documents (e.g. pay slips, bank statements) and present your mortgage application to the bank in its best possible light.

There aren’t many no-brainers in property investment, but the no-direct-cost service of an expert mortgage adviser is one of them.

But because there is often no fee attached, and because they all offer a similar service, it can be hard to decide which mortgage broker you should use.

This is why we’ve created this list to share the mortgage brokers in Tauranga we feel give fantastic service.

We even called them all up to ask what makes them unique so you can decide which one is right for you.

In this article, you’ll learn who the top picks are for mortgage brokers in Tauranga (in no particular order), and what they can offer you in terms of specialist advice.

Disclaimer: Opes does have its own mortgage brokers in-house at Opes Mortgages. But, so you don’t think we’re biased, we’ve chosen not to include them on our list (even though they’re excellent and you may like to use them).

Do you have a question or comment about the top mortgage brokers in Tauranga? Feel free to leave your thoughts in the comment section at the end of the page.

#1 Craig Coupland – Wealth Health

Wealth Health is owned by Craig and Fiona Coupland, and has been around since 2014.

The company is based in Tauranga, but serves its clients across the Bay of Plenty, Waikato and New Zealand-wide.

What we like most about Wealth Health is how upfront it is with information. The team is extremely transparent on how it gets paid, and what the obligations as financial advisers are under the Financial Markets Authority.

For instance, each adviser on the team is individually registered with the Financial Service Providers Register (FSPR) and the registration number is provided.

There’s no having to search for information, it’s all there for you.

Wealth Health isn’t just mortgages. As a financial adviser Craig says he can chat with you about anything to do with buying your first home, building a portfolio of investments, insurance advice, retirement or estate planning.

The company was MoneyHub’s top pick for the region.

By the tone of the 60-something Google reviews, his team of 5 staff are also pretty awesome.

#2 Tristan Hewett – Rapson Loans and Finance

Next up is Tristan Hewett, director of Rapson Loans and Finance. But he’s also one of the 8 staff on the team.

This brokerage has a more broad offering of financial advice – from mortgages to investments and insurance. The idea is to be a one-stop shop, which means clients come for a mortgage and stay for the ongoing support.

Just like Wealth Health, Rapson Loans and Finance is extremely transparent about qualifications and obligations.

But the best part is the page that lists all the bank, non-bank, insurance and investment providers Rapson Loans and Finance can provide advice on.

(It’s 9 main banks, and 25 non-banks in case you were curious).

#3 Sam Burnett – The Mortgage Supply Co

Sam Burnett is 1 of 4 mortgage brokers working in the Tauranga branch of Mortgage Supply Co.

Mortgage Supply Co is an Auckland-based company, but also has 6 other offices spread throughout the country.

Sam has glowing reviews online, which generally say he keeps all steps of the mortgage application process clear, as well as being helpful and practical.

In our opinion the best comment on Google reviews highlighted how he and his colleagues work together to make things happen – which in this instance was getting an application approved within 2 weeks and homeowner status a week later.

The Mortgage Supply Co made No.4 on MoneyHub’s list of recommendations as a “team that cares about their clients and their hopes and dreams”.

Here at Opes we love the fact that this company has a blog where it releases weekly articles about all things finance, property markets, and the best industry insider tips and tricks.

#4 Karen Raggett - Loan Market

Loan Market is a nationwide company with a team of 130-something advisers based all around New Zealand.

Karen Raggett works out of the Tauranga branch of Loan Market.

She has excellent reviews on Google and Facebook, with users praising her for her knowledge, professionalism and experience – particularly for first home buyers.

Admittedly, Karen acknowledges she is most passionate about working with first home buyers, but this doesn’t mean she doesn’t also get great results for second home buyers and investors.

For want of a better term, Loan Market is a “loan broker”. This means if you need advice or help getting a mortgage, investment, refinancing or a personal loan – this is the place to go.

An important difference between Loan Market and other nationwide brands is that Loan Market is not owned by a bank.

So, Loan Market brokers have access to over 20 different lenders you can potentially borrow from. That means you can use a split banking strategy.

That makes Loan Market a great fit if you want to deal with a reputable brand and plan to buy multiple properties.

#5 Alan Bainbridge – Tauranga Mortgage Brokers

Alan joined Tauranga Mortgage Brokers in 2015, but has more than 20 years experience lending with New Zealand banks.

According to glowing reviews, Alan works hard to help home buyers and investors reach their financial goals.

Alan has been involved in the banking and financial services industry since 1995, when he took his first job at ASB. He has a Bachelor of Business Studies with a double major in Accounting and Valuation from Massey University.

Tauranga Mortgage Brokers help first home buyers, investors, people looking to refinance, and business. Their team of 5 financial advisers has an excellent reputation and customers rave about them in reviews.

Next steps?

So, you’ve read the list … now what?

Well, the best way to find the right mortgage broker for you is to ring them up and have a chat.

Yes, recommendations are a great start, but you might like to interview a couple before you actually make up your mind who you want to go with.

Here are some ideas of questions you might want to ask to get a feel for who might be the right fit for you:

• Do you work with all banks, or just a few?

• What’s the best type of mortgage for me?

• What are some of the ways I can get my lending up?

• How should I structure my lending to reach my goals e.g. pay off debt more quickly, or expand a property portfolio?

Using a mortgage broker is going to give your application the best chance of success. It also means all the donkey work is taken care of for you, freeing up your time to do other things.

Write your questions or thoughts in the comments section below.