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 suite 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.

      How do I apply for a loan?

      We will complete all the mortgage applications for you to ensure your home loan application has the optimum chance of success. Our custom mortgage broking software compares all mortgage rates, fees and hidden costs so we can deliver you the best value home loan for your situation.

      What is a mortgage adviser?

      Mortgage advisers are consumer advocates in the home loan selection process, helping homebuyers to pre-qualify, select a home loan and complete the required mortgage documents. They follow your new home purchase, investment or refinance through to settlement providing a smooth and convenient transaction.

      By linking with 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 mortgage for your needs.

      Consumers receive an expert mentor 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 consumers financial interests and goals.