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 home-ownership dreams.
That’s the difference experienced advice makes — it’s not about one loan, it’s about your life goals.
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. You’ll get clear recommendations and straight answers — not jargon.
Our service includes:
- 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 in Tauranga or anywhere in the Bay of Plenty. No pushy sales — just expert advice, honest communication, and proven results.
Why you should choose an independent advisor
Why Work with an Independent Mortgage Adviser?
As independent mortgage advisers, we work for you — not the banks. That independence means you get objective advice based on experience, not quotas.
Here’s how that benefits you:
- Smarter loan structuring: We tailor your home loan to fit your income, lifestyle, and goals.
- Access to competitive rates: We negotiate across lenders to secure better terms.
- Ongoing support: You’ll deal directly with your dedicated adviser, not a call centre.
- Local expertise: We know the Tauranga and Bay of Plenty market inside out, from Pyes Pa to Omokoroa.
When you’re ready to make a move, give us a call — and experience how easy mortgage advice can be when your adviser genuinely works for you.
Whether you’re buying your first home, refinancing for a better deal, or planning your next investment move, now’s the perfect time to get expert advice. Our friendly team at Best Mortgages is based right here in Tauranga and helps Kiwis across the Bay of Plenty make sense of these market shifts. We speak plain English (and a bit of Kiwi slang when needed) and work for you – not the banks – to find the right solution.
Ready to explore your options? Contact us today for a free, no-obligation chat and we’ll walk you through the latest rates, rules, and opportunities tailored to your goals. Let’s turn those property dreams into reality this spring – we’re only a phone call or coffee catch-up away. See our reviews to know why we are called the best. Also stay up to date with our latest news for the best tips and advice.
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.
