Mortgage Masters
Where Family Dreams and Future Homes Come Alive
Your trusted local home loan experts
Mortgage Masters
Where Family Dreams and Future Homes Come Alive
Your trusted local home loan experts
Expert Financial Advice
Assisting you with mortgages, financial products and services.
Smart Solutions
Helping you make smart, simple and cost-effective financial choices.
Mortgage Calculator
ABOUT
Helping You Achieve Financial Freedom
Since 1998, Mortgage Masters Limited has been Auckland’s trusted partner for home loans, commercial mortgages, and insurance.
With over 40 years of combined expertise, our local team of dedicated mortgage brokers are here to help you secure the right solution— for your first home, next investment, refinancing, or business property.
Mortgage Masters In Numbers
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Happy Clients
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OUR SERVICES
Mortgage Services In New Zealand
As independent mortgage brokers, we work for you—not the banks.
We collaborate with a wide network of lenders, compare the market rates and secure the best deals for your home, investment property, or commercial loan.
That means more choices, better rates, and smarter solutions tailored to your needs.
First Home Buyers
Helping you secure the right loan – and deposit strategy – for your first home.
Home Loans
Professional guidance – clarity, confidence, local support – for your home loan.
Commercial Loans
Empowering commercial growth for businesses through expert financing for building, buying, or leasing.
Investment Property Loans
Tailoring loan solutions to elevate your investments and commercial real estate success.
Refinancing Options
Finding the best refinancing for you – smart options, smart savings.
KiwiSaver
Save today and grow for your retirement tomorrow.
Real stories, real results
Why Clients Choose Us
Hear from clients who have trusted Mortgage Masters to guide them through home loans, refinancing, and investment lending. Their feedback reflects our commitment to providing clear advice, great rates, and a smooth lending experience.
“Mortgage Masters arranged finance for us to buy our house. Mr Saminathan has been extremely helpful in being a guide in the whole process and helping us make informed decisions. Mr Saminathan’s team has been instrumental in ensuring all paperwork and necessary information is provided and available in time for the loan to be approved. All in all an excellent team which I would encourage others to make good use of, especially due to the wise counsel of Mr Saminathan.”
Avinash Jayapuram
Nathan and his team have been attentive and responsive. We had a tight time limit and they came through for us. They have always been available to help, answer my questions, and get things done. Thanks to Mortgage Masters, my partner and I are looking forward to moving into our first home.
Heather Melling
We have been a Client with Mortgage Masters for the past few years. Having closely worked with Nathan I could say that it was a great experience as he always gives us a feeling that we are the most important people that he is meeting . . . Nathan has been always positive about moving forward with investments. We have no doubt in recommending Nathan as a financial adviser to family and friends as his confidence and integrity is well appreciated.
Sen and Meera
Our Experienced Mortgage Team
Nathan Saminathan
Founder
Nathan is a certified financial planner with an MBA from Massey University. A member of the New Zealand Financial Advice (NZFA), he also has a BSc and a Diploma in Financial Planning and Life Insurance.
Marc Oliver
Lending Specialist
Marc’s distinguished career includes senior leadership roles with a leading New Zealand bank, where he led teams in realizing customers’ dreams of owning a home.
Associates
FAQ
FAQs For Mortgage Broker Services
Whether you’re buying your first home, refinancing, or exploring investment options, our FAQ provides straightforward information to help you make confident financial decisions.
The New Zealand government provides help for first home buyers with KiwiBuild, First Home Loan and First Home Grant initiatives. To qualify for this mortgage scheme, first home buyers only need a 10% deposit now.
There are different types of loans available – fixed, floating, offset, revolving – and the best choice for you depends on your financial situation and lifestyle.
Many of our clients believe a 20% deposit is needed to buy a house in New Zealand, but that’s not always the case. First home buyers going through the First Home Scheme, for example, will only need to produce 10% to secure a property.
In general, the minimum required deposit for existing properties in New Zealand is 20%.
The best time to consider refinancing your mortgage is towards the end of your current loan term, or when some aspects of your situation have changed and affects your financial standing.
You can always look into refinancing to search for a more competitive interest rate, review your loan structure or borrow more money.
There are some potential pitfalls to look out for when refinancing your home.
For example, you may need to cover some of the costs you had to pay when taking out your original mortgage, such as application fees and closing fees. Working with a trusted mortgage broker can ensure you’re prepared for the process.
