Contact Us

      Freephone: 0800 226 226

      Mortgage Express Head Office
      PO Box 9268, Newmarket,
      Auckland 1149.
      Phone: +64 (09) 522 6589
      Fax: +64 (09) 522 8610

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      Answers to some common questions

      If your question is not here please go to contact us and submit your query.



      Could you indicate what the fee for a mortgage adviser is and can this be added onto the mortgage application?

      Most of the services from our mortgage advisers are paid by lending institutions which in the vast majority of cases means there’s no cost to you and no surprises. Free services normally include arranging a home loan for you or refinancing/restructuring an existing loan. Even if you just want to know how much you can borrow, or what the likely repayments could be, there is no charge for you. In the rare occasion, that the mortgage adviser does charge a fee (maybe for a more complex situation requiring additional work for example), then they will advise you accordingly. Any charge will require your agreement in advance. You can then arrange the payment terms with your Mortgage Adviser to suit your individual circumstances.

      Why don’t I just go to the Bank myself?

      We help assess all your options, whereas the Bank is restricted by being only able to present one view.

      What is a Pre-Approval?

      A pre-approval gives you an indication of the maximum amount you can borrow. By getting your pre-approval you have the power to negotiate with confidence.

      Can my application be done via the internet?

      Yes, we have an online application form and we can use email for further clarifications and to receive and send information.

      Can fees be added onto my mortgage?

      In some cases yes, it will depend on how much you are borrowing, and the value of your property.

      What kind of reasonable costs could I expect when buying a property?

      We have outlined some of the costs that you may have to pay – this is all taken into consideration when your Mortgage Express Adviser is working out your best options, also depending on the lender some of these costs are avoided;

      Registered Valuation $500
      Solicitors Fees $800 – $1500
      Application Fee $0 – 1%
      LIM Report $150
      Builders Report $550
      (Please note, prices may differ between Industry Professionals)

      I’ve just moved to New Zealand and have no credit record here. Can you help?

      Yes. This is not a problem for us

      What is a mortgage adviser?

      Mortgage advisers are financial advisers registered on the Financial Service Providers Register. They are engaged by licensed financial advice providers or financial advice providers authorised under a financial advice provider licence. They are consumer advocates in the home loan selection process, helping homebuyers to pre-qualify for a home loan, select a home loan and complete the required mortgage documents. They assist clients by interacting with lenders to organise finance for new home purchase, purchase of investment properties, refinancing clients’ home loans.

      By virtue of having access to banks, other financial institutions and private lenders, mortgage advisers offer consumers access to a wide range of home loan choices as they select the right home loan for your needs.

      Consumers receive an expert mentor, in form of a mortgage adviser, to lead them through the complex home loan lending process. The mortgage adviser offers the consumer the convenience of doing all the leg work to access an affordable home loan while balancing the consumer's financial interests and goals.