Mark Courtney - Mark Courtney Mortgages (2020) Limited

Region & Expertise: Mortgage Advisers, Auckland Mortgage Advisers

Mortgage Adviser, BA, BProp, MBA

"My goal is to understand your financial needs and deliver a sound financial solution which will help you and your family achieve your next home loan."

I am excited to be a Mortgage Adviser because I am committed to clients receiving the best lending and financial advice which will help you achieve your asset goals of owning your own home or investment property. I take pride in all of my business operations and will ensure that any business dealings we have will be handled personally and professionally by me.

I come to the role with a wealth of experience and knowledge of the private sector, having performed in many senior roles particularly in Sales and Marketing and I also have extensive experience in analysing the Operational and Financial Performances of companies I have worked for in the past.

My professional qualifications include a Bachelor of Property and a Masters of Business Administration. I have also been awarded the Senior Prize in Property from Auckland University in 2005.

My goal is to understand your financial needs and deliver a sound financial solution which will help you and your family achieve their next home loan.


Important information about Mark Courtney Mortgages (2020) Limited FSP 720493

My advice is provided through my company Mark Courtney Mortgages (2020) Limited that trades using the Mortgage Express brand owned by Mortgage Express Limited (MX).

MX is engaged in the business of supporting financial advisers to access financial products, and to market and promote, their finance, mortgage and insurance broking and facilitation services.

Licence status and conditions

Astute Financial Management Limited FSP641829 (Astute) holds a licence issued by the Financial Markets Authority to provide financial advice service.

Mark Courtney Mortgages (2020) Limited FSP 720493 is authorised by that licence to provide financial advice service.

Our contact details are:

Address:           22 Cove Lane Mount Wellington Auckland 1060

Telephone:       0800 226 226


We provide financial advice on Mortgage Products and Consumer Credit Contracts.

We encourage you to read the important information given below. It may help you decide whether your financial needs may be met by engaging with us.


Nature and scope of financial advice service

We engage financial advisers to provide financial advice on the following financial products:


Residential and personal loan products
We, through our advisers, provide financial advice service about loan products only from the following providers (also known as lenders):


ANZ Bank New Zealand Limited          

DBR Limited

Pioneer Finance Limited

AIA Services New Zealand Limited

FICO Finance Limited

Plus Finance Limited

ASAP Finance Limited

First Mortgage Managers Limited

Property Funding Securities Limited

ASB Bank Limited              

Funding Partners Limited

Resimac Financial Securities Limited

Avanti Finance Limited      

General Finance Limited

Southern Cross Finance Limited

Bank of China (New Zealand ) Limited

Gold Band Finance Limited

Southland Building Society

Basecorp Finance Limited

Industrial and Commercial Bank of China (New Zealand) Limited

The Co-operative Bank Limited

Bluestone Mortgages NZ Limited

Liberty Financial Limited

TSB Bank Limited

China Construction Bank (New Zealand) Limited

Metro Finance Limited

Westpac New Zealand Limited          

Credit Union Baywide

Oxford Finance Limited

Wroxton Finance Limited

Cressida Capital One Limited

Pepper New Zealand Limited



We do not provide financial advice service related to:

  1. Investment products (e.g., shares, bonds, managed funds, etc.) and KiwiSaver products; and
  2. Estate planning (such as Wills, Enduring Powers of Attorney, and trusts of any description); and
  3. General Insurance products; and
  4. Personal Risk Insurance products.

You will need to consult appropriate specialists if you would like advice on the products above.

Fees, expenses, or other amounts payable

In the majority of cases we do not charge any fee, expense or other amount for the financial advice provided to you or for implementing that advice. Our remuneration is paid by the product providers by way of commission.

However, we may charge a fee for the financial advice service provided to a client where a client repays a residential home loan within a defined time up to 28 months from the date it is drawn down.

Whether a fee will be charged, the manner in which it will be charged and the date by which the fee will be payable will be advised when the financial advice service is provided to the client.

Conflicts of interest and commissions or other incentives

We and Astute will receive commission from the lenders who provide residential and personal loan products. If you decide to take out a residential or personal loan, then the lender will pay commission based on the amount of loan settled with that lender or lenders.

Our adviser takes drawings from Mark Courtney Mortgages (2020) Limited.

From time to time, various product providers (described previously) may also reward us and/or Astute for the overall business provided to them. They may give tickets to sports events, hampers, or other incentives. To ensure that our financial advisers prioritise the client’s interests above their own, we follow an advice process that ensures our recommendations are made based on the client’s personal goals and circumstances. All our financial advisers undergo annual professional development refresher training about how to manage conflicts of interest. We maintain registers of conflicts of interests, and the gifts and incentives received.

Complaints handling and dispute resolution

We take all complaints seriously and work to resolve them as quickly as possible.

If you are unhappy with our financial advice service, and wish to make a complaint, please contact your financial adviser so he or she can try to put things right.

If you do not feel comfortable discussing your concerns with your adviser, you can:

  • Call David Gopperth, General Manager, Mortgage Express on 027 3489248 between the hours of 8:30 am - 5 pm week days
  • Email
  • Write to David Gopperth at Mortgage Express, PO Box 9268, Newmarket, Auckland 1023.

How your Complaint will be handled

We will deal with your complaint using our internal complaints handling process. Accordingly,

  • We will investigate your complaint by analysing the information you provided us; and

  • We may contact you to get additional information about your complaint.

We aim to resolve your complaint within 40 days of its receipt and advise you, in writing, our proposed resolution to your complaint.

If we cannot resolve your complaint within 40 days of receipt (or any additional time you have given us thereafter, at our request) you can contact the Financial Services Complaints Ltd (FSCL).

FSCL provides an independent external dispute resolution service to consumers with complaints about their financial service providers. This service will cost you nothing and will help us to investigate or resolve your complaint if it is not resolved to your satisfaction using our internal complaints process.

You can contact the FSCL Scheme at:



Telephone:                          0800 347 257 or +64 4 4723725

Address:                              Level 4, 101 Lambton Quay, Wellington 6011

                                             P O Box 5967, Wellington 6140


We, Astute and our financial advisers are bound by the following duties under the Financial Markets Conduct Act 2013 to:

  • meet the standards of competence, knowledge, and skill set out in the Code of Professional Conduct for Financial Advice Services (Code of Conduct), which form part of the wider regulatory regime for financial advice and ensure we have the expertise necessary to provide you with advice; and
  • give priority to your interests by taking all reasonable steps to ensure that the advice given to you is not materially influenced by our own interests or the interests of any other person connected with the giving of advice; and
  • exercise care, diligence, and skill that a prudent person engaged in the occupation of giving related financial advice would in the same circumstances; and
  • meet the standards of ethical behaviour, conduct, and client care set out in the Code of Conduct, to treat you as we should and to provide you with suitable advice.


Client Testimonials:

“Thanks so much for all your hard work on this. Really appreciate it and will be sure to pass on your details to any friends and family in the future. Cheers, Matt and Kate”.

“Mark you have been amazing. Thank you so much. We both appreciate your efforts and availability. Dan & Anna”.

“Thank you for all your help in negotiating a new loan and a great cash back for us with ASB, as well as recommendations for legal and property management services. Much appreciated from Lorelle and myself. Best Regards, Bahari & Lorelle”.

“Hello Mark, we are very pleased to achieved this purchase of a property. It was not a particularly attractive client profile I know - but you made it happen! Should you want any written endorsement we would be happy to send something. We will definitely recommend you to colleagues and friends and we hope that it does mean more people can benefit from your help. When we were working with one days notice to pull all the data together I really appreciated your very clear instructions! Thank you again. Nga mihi nui, Sue & Paul.”

“Hi Mark, the settlement went through smoothly yesterday. We would like to thank you for all your help, advice and service in the last few months with buying an investment property and negotiating a very competitive deal for us. We have already started referring you to our friends and acquaintances and will continue to do so in the future. Many thanks. Kind regards, Mladen and Suzana Tokmadzic”.

“Thank you for all your help and the great deal you got me. I really appreciate it! Cheers, Blake Atkinson.”

“Thanks very much for all your help and advice over the last few months. Your support has been invaluable to us, especially as first home buyers. We greatly appreciate the rates you have negotiated and the support you provided across the whole process, especially at auctions. We will definitely recommend you to anyone we know who needs assistance with property finances. We have already passed your details on to Rosie's cousin whose mortgage is up for renewal early next year. Thanks, Jake.”

“We would like to thank you for the support and the guidance you gave us in buying our first home. We feel very lucky as without the support from everyone (including you) things may have resulted very differently. Despite the difficulties and the challenges that we faced, we eventually got there 😊. Yes, we agree that you helped us a lot and got a really good deal for us. Thank you for treating us fairly and respectfully. We would also like to thank you for the support you provided to Rudy’s parents. We will definitely refer you to people we know who may need property financial assistance. Kind regards, Min Lee & Rudy Lang.”

“It has been a stressful and difficult time in the last year or more. I greatly appreciate your support to get a good deal from ASB and also to stick by me through this process - even when things got tricky and required repeated approval processes from the bank. It is probably one of the most stressful times in life when going through a separation and trying to reach a settlement. I’ve been lucky to have you to provide clear and timely advice and information about mortgage options, and a calm approach to it all. I would certainly recommend you to anyone looking for a mortgage. Please accept my sincere thanks and appreciation. Kind regards, Kate.”

“Greg and I are both very grateful for your guidance through this process and certainly won't hesitate to refer you on to friends and family. No doubt you will hear from us again in the not too distant future. Thanks again and appreciate your expertise Mark. It's hard to believe that you, as the most pivotal parts of this transaction aren't sending us a bill, which just doesn't seem right, but I hope the banks are looking after you. Kind regards, Pauline and Greg.”

“Hi Mark, that's great, thank you. Appreciate your patience through the first part of this. Will be in touch for the next one!” Thanks Kris.

“Hey Mark, thanks for the update. You have truly exceeded expectations. The area of your service we have been most impressed with is your general guidance on the whole process of buying a house, that has been invaluable so thanks again! We are very happy with the terms you’ve negotiated and would not hesitate in recommending you to people looking for a broker. If you ever need a testimony, etc. written we would be delighted to do so! I imagine we will be in touch in three years when it becomes time to re-fix, all the best until then!” Dr Sam & Dr. Imogen.

“Hi Mark, many thanks for confirming. Yes, absolutely you've been fantastic. The advice has been invaluable so anyone else looking to buy we will recommend for sure. Thanks again.” Amanda & Jack.

“Thank you so much for all your help, I really appreciate it and always refer people to use you as the best financial adviser. Best wishes, Anna.”

“Many thanks for all your hard work, we're extremely happy with the service and advice you've provided and have recommended you to a few friends already - we will continue to do so happily.” Kindest regards, Hamish.

“We’d like to thank you for your help with our house purchase. Out of all the professionals we’ve dealt with, lawyers, architects and alike, you have consistently delivered on your promises, and given us fantastic service. Definitely the shining star for us.” Many thanks, Tony and Kristie.

“Thank you so much for all of your help with this process, you have been great! We are so excited and can’t wait to get our mitts on the keys. Will definitely be referring you on to anyone we know on the house hunt. Thanks again!” Rach & Nick.

“Thanks very much Mark. I really appreciate the support you’ve provided over the last couple of months (and your patience with all my questions!)” Steph.

“Thank you Mark. And thank you so very much for going above and beyond to help me get me into my second home. You really do go the extra mile and I really appreciate the time and effort you took to both explain everything to me (including my many silly questions) plus negotiate great rates for me. I will certainly recommend you to my friends. Thanks again, Roz.”

“Mark, you have been invaluable in helping my family move forward. Your experience in looking at each client’s position and working out the best strategy has helped us immensely. Thank you so much, Mike Dash.”

“On behalf of myself and my parents, thank you very much for your service – much appreciated. We will certainly recommend you to anyone that is looking for assistance and hope to use your services again in the future. Cheers, Borko Sajevic.”

“Thanks Mark, very happy with your service and patient explanations. Will definitely refer when the opportunity arises. Regards, Peter S.”

“Thanks Mark, really appreciate your efforts – and always where possible will refer business. Cheers Mike R.”

“Once again, thank you for helping us get an apartment in Auckland! Best regards, Karen & Alastair”.

“I am very pleased with the service and advice that you have provided over the past few years and appreciate it. I will definitely recommend you to my friends, family and acquaintances. Cheers, Harshad”

“Hi Mark, there were no issues with the settlement with TSB and we are extremely happy with the choice we have made. We would like to thank you for all your help in this process and we will be more than happy to recommend you to friends who will be looking to do the same. Thanks, Simon”.

“Mark, Thank-you not only for all your assistance and advice over the last couple of months - but also for the speed at which you were able to get the bank to turn everything around before settlement. This made all the difference in being able to secure the property. Thank you for all the time you put in to achieve this result, much appreciated! Emma.”

“Thanks for all your help Mark. Great advice and always there for us. Ben M.”

“Thank you Mark, your service has been first class. I would be happy to recommend you. We'll be doing business again for sure. Best regards, Mark B.”

“Thanks so much for all your help with the property purchase. Not sure it would have been possible without all your advice. Will definitely refer you to others. Thanks, Trusha.”

“Hi Mark, you've done a great job for me - thank you! I'll certainly use you again. All the best, Dan.”

“Thank you so much for all of your help with our mortgage, you have really made it easy for us. Take care. Nicole.”

“Thank you for all your assistance. Nicole and I certainly appreciate the time you put in over the last nine or ten months and the result that was achieved in the end. I wouldn’t have any hesitation in recommending you to others in the future and will do so. Thanks.” Ben Twigden.

“Thank you for all your help with helping me purchase my first property. I am happy to refer you and hopefully you will get a call in a few days from someone else I have sent your name on to. I will be in touch when I find the next property to purchase.” Kind regards, Kim.

“Hi Mark, Thank you very much for all your help, advice and guidance! You have been amazing, and we are so grateful. We have already recommended you to a few friends and will certainly continue to do so for anyone looking for a broker in the future!” Sara Romano. 

“Thank you again for all your work, advice and patience with me. I will certainly recommend you to anyone I know, in fact one of my colleagues was jealous of the fixed rate that you got me. Feel free to stop by for a cup of tea next time you're in the area. Thanks again, Nic.”

“Thank you very much for all the hard work, we certainly appreciate it. Many thanks, Craig R.”

“A huge thanks for all your help throughout the process. You nailed it for us. We will have no hesitation in recommending you to others (in fact, I've already shared your details with friends who are keen to get on the ladder)”. Kirsten & Nathan

“Thank you for this and all your help :-) - Very much appreciated.” Luke C

“Thank you for all your help with ASB and the loan application, will certainly refer you to friends”. Dr. Vijay Sharma

“Thanks so much. The real estate agent said this was the quickest settlement he had ever known. We were handing keys over at 10.30am.” Lyndsay and Paul

“Thank you for your help. Funds all appear to have arrived. I will certainly recommend you to others.” Paul

“Thanks for all your advice and securing the great rate.” Anna

“Thanks for all your help and advice of the course of this search, it's been very helpful. Looking forward to finally getting the keys to our new place. We will no doubt be in touch in the future and will refer anyone looking for mortgage advice moving forward." Mark and Ro 

“Thanks again for all your help on the process, and keeping us informed, as it has made our lives a lot easier.” Mike

“Awesome! Thank you for all your help! You’ve been great!” Leanne

“Appreciate everything - thanks for your help and yes I will definitely pass your name forward to anybody else who is looking for a loan.” Shane

“Thank you for your efforts to assist Matt. He was frustrated with his lender and you were able to make it all happen. Great dealing with you. Regards Lorraine.”

“Thanks so much Mark. We will definitely pass on your details to anyone looking for assistance. Your help has been fantastic. Sian and Richard.”

“Hi Mark, that's great thank you! Once again you have been great, Zella and I appreciate what you do. Thanks again. Have a great Christmas! Regards Shane.”

“Thanks so much for all your help Mark!! Really, really appreciated. Excited about our new journey.  We'll touch base again next year!” Matt.

“Thanks so much for all of your help and the calm manner in which you effectively go about your work. It's reassuring to know you are there managing the process for us. It's been a real pleasure and will definitely recommend your services.” Alby.

“Thanks again for your help with the Mortgage we will be absolutely sure to recommend.  It was very smooth dealing with the mortgage and great to get a deal with ASB in the end.  Great working with you again.” Tory.

“Thank you for your efforts in getting a home loan and very good rate as well – Regards, Hari”

“Thanks for everything you have done to help. Will definitely use you again when I re-fix or buy another house – William”

“Thanks so much Mark. You are a star and we will recommend you whenever we can. All the best, Barb”

“Thank you for all your help, couldn't have done it without your input! A huge relief it finally went through :) Kind regards, Liesa”

“Just wanted to drop you a quick line to say we are all settled now & thanks a lot for all your help with the mortgage/bank stuff, it was greatly appreciated. Thanks again, talk soon, Nick + Britt”
“Nadia and I would like to thank you for all your help with getting us this house, we really appreciate it. Kind regards, Lee Hayward & Nadia Yu”

“Thank you very much for your help with this whole process. What with the rates and cash contribution you’ve managed to wrangle for us it has been an excellent job. You can definitely count on us passing your name onto anyone we know who might be looking for a broker!” Paul Chambers

“Thanks Mark, and we can't thank you enough for your help throughout the process - pretty confident that we wouldn't be where we're at without your help” Clare

“Thanks so much for all your help. It's made the whole process so much smoother and easier for us and we both really appreciate it.” Alex & Laura

"Thank you so much - everything was superb and don't you worry I am telling everyone I know about you so hopefully I will be able to send some people your way. You were brilliant and we are most appreciative of your help."

Rachel & Ezra

"Thank you very much for all your help and if I hear of anyone looking at buying a place and needing finance, I will give them your details."


"Your service was both friendly and efficient. We will certainly be recommending you to any friend or family member who may need your service. Thank you so much and should we need a mortgage adviser again someday we will be hitting redial."

Rochelle & Gregor

"Thanks again for all your help and for sticking with us when it looked like the banks wouldn't take us on!"


"Thank you very much for all your assistance with this. The whole process has been really smooth and the result beyond my expectation."


"Just wanted to say a big thank you for all your help! You made the process pretty stress free and we are greatful for the amazing deal you got us! Much appreciated."

Christine & Simon Quinn

"We will be happy to recommend your services. Thanks for all your help."

Regards, Tilla & Eugene

"Vivian and I really appreciated having you to guide us through how to arrange our home loan and your calm approach produced a very peaceful atmosphere for us to complete this task without any anxiousness."

Vivian & Fisher

"I will definitely refer (and highly recommend) your details on to anyone I hear of needing any property finance assistance."


"You have definitely done an excellent job and I'm more than happy to refer you to my family and friends. Again, our sincerest thank you for all your support with this very important journey in our life."


"Thanks for all your help in getting the mortgage sorted, your expertise was much appreciated and I will definitely be recommending you to others."

Matt, Auckland

"Thank you so much for everything that you have done for me, all the time and understanding in helping me move to my beautiful new home. I moved in on Friday and had perfect weather and everything went really well."

Tina, Auckland

"Thanks for all your help, it has been great - we wouldn't have this place without your sound advice!"

Tony & Rachel MacDonald

"I was lucky having Mark Courtney help me with arranging my finance for buying a property recently. It was such a huge relief to have him there even coming to the auction to hold my hand! The whole buying process was made so easy with his help and he ended up saving me money as well!"

Nina, Auckland

"Thank you very Mark, and I’m very happy with how the things turned out. Rest assured you will be referred to our friends who wanted to get mortgage. Excellent service."

Kudus, Richmond

"Thank you for looking after us. Words are not enough to tell how grateful we are for all the wonderful things you’ve done. It is indeed a wonderful Christmas for the whole family!"


“Thank you very much for your help with the bank. Low interest rate and legal fee contribution are appreciated very much"

Thanks again, Irina

“Thank you very much for your assistance in these matters, it is very much appreciated. We will certainly be recommending your services to any clients looking for the assistance of a mortgage adviser."

Kind regards, Erica

“Thanks so much for your on-going advice and for sourcing us a brilliant mortgage rate and structure"

John McDermott

"Many many thanks for your efforts to get the mortgage pulled through in time last week - it was very touch and go midweek and would certainly not have happened in time without a little magic from yourself especially."


"We're so very grateful that you were with us every step of the way - made things so much easier. Every person I cross paths with who even remotely has the idea of purchasing their own home I'm forwarding your details on to."

Marc and Nicole

"Thanks mark for all your superb work, could not have done it without you, so thank you very much."


"Your service was impeccable. If I have any friends seeking advice on how to get a mortgage, I will be sending them your way!"


"Thanks again for all your time and effort helping us secure a great deal through the ASB ."

John & Erica

“Thanks for your hard work on this - it's a great deal! I was so impressed by the deal you got me! I will definitely refer you to any family/friends that require a mortgage adviser.”

Dr Emma

“Thank you for all your insights and help over these months, I'm sure you have gone beyond the call of duty and it has been very much appreciated!”


“Thank you again for everything over this year, your advice has been so helpful and we really appreciate the efforts you made with each of the properties we looked at. We are very happy in our new house!”


“Thanks for all of the work you did for us over the last 9 months. You were great to deal with and appreciate your help on the big day as well. Will definitely recommend you if any friends join the search any time soon.”

Steve & Erin

“You do have a very satisfied client and l have been telling everyone about you! Thank you for paving the way so beautifully, could not have done it without you.”

Dr Vimmi

“I'm already recommending your name to all my friends and colleagues who are looking around for property. Appreciate all the help you rendered us through this journey.”


“Thank you for your assistance with the purchase of my apartment, you were a great help and I have already recommended your services to a friend who is planning to buy.”


“Thanks once again to you for all your great work. You were an absolute pleasure to deal with at all times and we will highly recommend you!”

Lyndsay & Paul

“Everything went like clockwork thanks. Thanks very much for your help. I will of course recommend you to anyone else.”


“The service you provided was exceptional and we are very grateful to you for all of your hard work. We have recommended you to some of our friends who are starting to think about buying their own home and will continue to do so.”

Brittany & Nic

“I will definitely recommend you to friends and colleagues if they require any assistance. Thanks again for all of your help.”


“Adam and Amy told me how good you were, coming on a Sunday for a couple of hours, going through everything and getting it sorted for them. They are so excited and happy. So thank you very much.”

Kim H

“I'd like to thank you for your help and brilliant service. Everything was perfect and easy only because of you :)”

Anna S

“You've done a great job sorting our mortgages and getting us a very competitive rate. It's been relatively pain free which is great! Cheers"


“Your service has exceeded our expectations most definitely, we found your knowledge and support throughout the whole process excellent, and we can’t thank you enough - and our invitation to our house warming is still there”

Zella & Shane

“Fantastic! Thanks Mark, if it wasn't for you we probably wouldn't have the house! Thanks for everything. Cheers”