Finding the Right Mortgage Starts with the Right Advice
Choosing the lowest rate isn’t always the smartest move. The real value lies in structuring a mortgage that fits your lifestyle now and your long-term goals. Whether you’re a first-home buyer in Papamoa planning to start a family, or an investor in Mount Maunganui wanting to pay off debt faster, our Tauranga-based advisers take the time to understand what really matters to you.
At Best Mortgages, we believe advice should feel personal, not pressured. I still remember helping a young couple from Bethlehem who’d been turned away by their bank. After reviewing their situation, we restructured their application and got them approved within a week. Seeing their relief reminded me why I’ve spent 25 years helping Kiwis achieve their home-ownership dreams.
That’s the difference experienced advice makes — it’s not about one loan, it’s about your life goals. Talk to a mortgage broker Tauranga buyers trust to get it right the first time.
What we do
Making the Mortgage Process Simple
Finding the right lender can feel overwhelming, especially when every bank has its own rules. We simplify the process by comparing options across New Zealand’s major lenders and trusted non-bank partners — all from our Tauranga office.
- Education on the different loan types and structures available
- Help determining how much to offer on your next home
- Guidance to ensure your chosen property meets lender requirements
From your first chat to settlement day, we handle the legwork so you can focus on finding the perfect home — whether that’s in Omokoroa, Pyes Pa, or anywhere across the Bay of Plenty.
No pushy sales — just expert advice, honest communication, and proven results. Book a free chat to get started.
Why you should choose an independent advisor
Why Work with an Independent Mortgage Adviser?
As independent advisers, we work for you — not the banks. That independence means you get objective advice based on experience, not quotas or lender bias.
- Smarter structuring: We tailor your home loan Tauranga solution to your income, lifestyle, and goals.
- Competitive terms: We negotiate across banks and specialist lenders for better rates and flexibility.
- Ongoing support: You’ll deal directly with your adviser — not a helpdesk or call centre.
- Local expertise: We know how lending works across Tauranga suburbs, from Papamoa to Omokoroa.
Contact Best Mortgages for personal, transparent advice that works in your best interest — always.
Best Mortgages — Operated by Ewald Biesenbach (FSP 320426) under The Best Limited (FSP 724451 – NZBN 9429043352067). Licensed under the Financial Services Legislation Act 2019.
What does a mortgage adviser actually do?
A mortgage adviser compares home-loan options across multiple banks and lenders, explains how each works, and helps structure your loan to match your goals. At Best Mortgages in Tauranga, we do all the legwork so you can focus on your property search, not the paperwork.
Why use a mortgage adviser instead of going to my bank?
Banks only offer their own products. As independent advisers, we work for you — not the banks. We can negotiate sharper rates, tailor your loan structure, and access lenders who specialise in self-employed or first-home buyers across the Bay of Plenty.
How much does it cost to use Best Mortgages?
Our advice is usually free for most standard home loans. We’re paid a commission by the lender once your loan settles — so you get expert guidance without extra cost. For more complex lending, such as non-bank or business loans, we’ll always discuss any fee upfront.
Can you still help if my bank has declined my application?
Absolutely. Many Tauranga clients come to us after a bank says no. We review your situation, find lenders with more flexible criteria, and help you present your application in the best light. Often, a simple restructure is all it takes to turn a “no” into a “yes.”
Do you help clients outside Tauranga?
Yes. While we’re proudly Tauranga-based, we work with clients across the Bay of Plenty and throughout New Zealand via video or phone. Whether you’re in Mount Maunganui, Papamoa, or Auckland, you’ll receive the same personal service and ongoing support.
