Total Mortgages

Your Trusted Mortgage Brokers in NZ

We are Total Mortgages – modern mortgage advisers dedicated to making a difference in everyday people's lives. Our mission is to help you achieve your property goals by exploring various options, finding you the best deal, and sharing our extensive product knowledge.

With our team of experienced mortgage advisers, you can make an informed decision and secure the right home loan tailored to your unique needs. Book a call with us today.

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The Total Difference

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We work for you
As mortgage advisers, we act in your best interest as your unbiased personal ‘bank manager.’ We save you time and money by avoiding trips to multiple banks. Let us compare over 20 banks and lenders to get you the best deal, and we’ll negotiate any special offers and discounted interest rates.
Let us be your unbiased mortgage experts. We'll compare 20+ banks and lenders to find the best deal and negotiate special offers and rates to save you money.
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Keep it simple
No jargon here – we’ll explain everything in layman’s terms! We keep it simple, and are here to guide you through your offers, assist with preparing for auctions, and make sure the wheels don’t fall off your property journey. We work for you, not the lenders, to ensure you get the result you want.
We'll explain everything and guide you through the process to get you the result you want. We work for you, not the lenders.
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Full online process
Time-poor, or not near our physical office? No problem. You don’t need to physically meet with us to work with the Total team. Our state-of-the-art software enables you to instantly complete an application from your device, no matter where in the world you are. Our universal application is accepted by all our lenders, which dramatically speeds up our processing time.
Our cutting-edge software allows you to complete your application from anywhere, ensuring speedy processing time.
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The Total Customers

The Total Customers

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Home loan advice for all situations

First Home

Next Home

Refinance

Investment

Non-bank

For those fresh to the property market, we know you’ll have questions. Lucky for you, we’re ready and waiting to provide the answers, steer you through the process and get you safely into your first home with the best possible deal. From putting together your deposit (spoiler: you don’t always need 20%!) to securing the best interest rates or using guarantors, think of us as your personal first home guides.

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First Home

If you’re ready to trade up, move suburb or city or need to accommodate your growing family, our Total team can sort your mortgage approval quickly and efficiently. Let us remove the stress so you can start the serious business of house-hunting!

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Next Home

Take control of your mortgage and set yourself up for the long term by making the switch to another bank (or renegotiating with your current one). Refinancing could save you thousands in interest, allow extra cash when you need it, and means you can structure your mortgage in a financially-savvy way. Talk to us today to review your mortgage options, navigate any break fees and ensure the financial benefits outweigh the costs.

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Refinance

Property investment can be a great way to set yourself up for financial freedom, but growing a portfolio takes time and energy. Whether you’re looking to buy your first or tenth investment property, accessing the right advice and developing a sound investment strategy is critical. Our team keeps up-to-date with the latest policies affecting investors and can show you all your options to make it feasible.

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Investment

If you’re struggling to access funds from the banks due to income proof or credit issues, don’t give up on your home ownership goal. New Zealand’s non-bank sector is growing, so talk to us today about how a non-bank option may work for you at rates that will pleasantly surprise you.

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Non-bank

For those fresh to the property market, we know you’ll have questions. Lucky for you, we’re ready and waiting to provide the answers, steer you through the process and get you safely into your first home with the best possible deal. From putting together your deposit (spoiler: you don’t always need 20%!) to securing the best interest rates or using guarantors, think of us as your personal first home guides.

Learn more

If you’re ready to trade up, move suburb or city or need to accommodate your growing family, our Total team can sort your mortgage approval quickly and efficiently. Let us remove the stress so you can start the serious business of house-hunting!

Learn more

Take control of your mortgage and set yourself up for the long term by making the switch to another bank (or renegotiating with your current one). Refinancing could save you thousands in interest, allow extra cash when you need it, and means you can structure your mortgage in a financially-savvy way. Talk to us today to review your mortgage options, navigate any break fees and ensure the financial benefits outweigh the costs.

Learn more

Property investment can be a great way to set yourself up for financial freedom, but growing a portfolio takes time and energy. Whether you’re looking to buy your first or tenth investment property, accessing the right advice and developing a sound investment strategy is critical. Our team keeps up-to-date with the latest policies affecting investors and can show you all your options to make it feasible.

Learn more

If you’re struggling to access funds from the banks due to income proof or credit issues, don’t give up on your home ownership goal. New Zealand’s non-bank sector is growing, so talk to us today about how a non-bank option may work for you at rates that will pleasantly surprise you.

Learn more

Tools & calculators

Use our state-of-the-art NZ mortgage calculators to see how much you could borrow and what your repayments might be, and plan out your regular expenses and budget.

View All Tools

The Total Awards

Book a Call

Schedule a call with one of our experienced home finance experts and start your journey with the Total team.

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Choose the Best Mortgage Brokers in New Zealand

 

Total Mortgages is committed to providing top-notch mortgage advice and support, ensuring you make well-informed decisions about your home loan. Our professional mortgage advisers are dedicated to helping you secure the best possible deal, whether you're a first-time homebuyer, an experienced property investor, or looking to refinance your current loan.


As one of the best mortgage brokers in NZ, we're proud to offer exceptional service and personalised solutions to clients across the country. With our team by your side, you can trust that your property goals are in the hands of top mortgage advisers who are dedicated to your success.

Contact us today and take the first step towards securing your dream home....

 

Discover Our Mortgage Adviser Services

 

Our knowledgeable mortgage advisers provide expert advice on a wide range of services, including:

  • Low deposit home loans
  • First home loans
  • Selling and upgrading
  • Property investment loans
  • Home loan refinancing
  • Debt consolidation
  • Construction loans
  • Bridging loans
  • Self-employed mortgages

Our experienced mortgage brokers in NZ will guide you through the entire process from application to settlement. We'll help you to:

  • Find the right home loan
  • Compare interest rates and features
  • Negotiate with lenders on your behalf
  • Complete and submit the required paperwork
  • Secure pre-approval for your loan
  • Manage the entire application process
  • Ensure you have the correct loan structure for your circumstances
  • Maintain the loan for the duration you are a property owner

 

Get in Touch with Our Experienced Mortgage Brokers in NZ Today

 

Our team of professional mortgage brokers in NZ is highly knowledgeable and experienced in the New Zealand market. We provide personalised advice tailored to your individual circumstances and financial goals.
 

  • Wide Range of Lenders: As independent mortgage brokers, we have access to a comprehensive panel of lenders (over 24 to be precise), including major banks and non-bank lenders. This enables us to find the best solution for you.
  • Efficient and Hassle-Free Process: Our online application process is quick and easy, allowing you to get started on securing your dream home as soon as possible. Let our expert mortgage advisers handle the paperwork and negotiations on your behalf.
  • Customer-centric Approach: We prioritise your needs and goals above all else. Our dedicated mortgage brokers work closely with you throughout the entire process, ensuring you receive the best possible service and results.
  • Generally No Cost: For long term lending, such as owner-occupied homes and investment properties, our services come with no charge to you, as we receive a commission from the lender once your mortgage is settled. Some shorter term lending, such as bridging loans and property flippers, may occur a fee which will be discussed at the start of the process. 

Ready to take the first step towards achieving your property goals? Contact our team of expert mortgage advisers. You can call us at 0800777337 or email us at hello@total.nz.

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The Total Insights

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The Total Reviews

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The Total Partners

unity
scf
heartland
bluestone
anz
pepper
westpac
sbs
tsb
coop bank
sovereign
asb
kiwibank
resimac
select
bnz
avanti
boc
basecorp
prospa
fmt
liberty
general
asap
asap
general
liberty
fmt
prospa
basecorp
boc
avanti
bnz
select
kiwibank
resimac
asb
sovereign
coop bank
tsb
westpac
sbs
pepper
anz
bluestone
heartland
scf
unity
unity
scf
heartland
bluestone
anz
pepper
westpac
sbs
tsb
coop bank
sovereign
asb
kiwibank
resimac
select
bnz
avanti
boc
basecorp
prospa
fmt
liberty
general
asap

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