Mortgage Broker Tauranga
I’m Eddie Biesenbach — a Tauranga mortgage broker with 20+ years’ experience. I come to you (home, work, after hours) and help you get approved faster — whether you’re buying, refinancing, or investing.
Why Working With a Local Tauranga Mortgage Broker Matters
Banks have strict rules — especially in Tauranga where:
Coastal properties (Papamoa, Mount Maunganui) need extra insurance checks
Older homes (Greerton, Otumoetai, Bethlehem) need Healthy Homes compliance
New builds (The Lakes, Pyes Pa) require correct valuation + construction structures
Self-employed clients need exact income presentation
I check every one of these BEFORE the bank sees your application — saving you weeks of delays and the risk of decline.
What I Do For You
Loan Strategy & Structure
I design the structure that fits your goals — fixed, split, interest-only, offset, revolving credit, or a mix.
Approval Optimisation
I package your application so banks can’t misunderstand your income, deposit, or credit.
Low-Deposit Options
Local lenders vary in policy — I match you to the bank that will approve 5–10% deposits.
KiwiSaver & Deposit Help
We’ll guide you through using KiwiSaver or applying for First Home Grants in the smartest way possible.
Refinancing & Refixing
I compare 15+ lenders and negotiate on your behalf — often saving clients $300–$600 per month.
Ongoing Support
Every year when rates roll over, I review your structure for free. No bank does this for you.
Tauranga Case Study — Approved in 4 Days
Josh & Miriama — Mount Maunganui
Their bank declined them due to “inconsistent income.” I repackaged their application, added income explanations, and matched them with a lender that supports variable income.
Result:
Approved in 4 days.
Saved $168 per fortnight.
Refinanced into a better structure 12 months later.
Here’s How It Works
We keep things simple and stress-free. Our process is designed to help you move forward with confidence — no bank speak, no wasted time.
We start with a free call to understand your goals and borrowing ability.
We compare lenders, structure the right loan, and explain everything clearly.
We handle the paperwork, deal with the banks, and lock in your pre-approval.
We guide you through to settlement — and stay in touch long after.
Mortgage Broker Tauranga — FAQs
What does a mortgage broker in Tauranga actually do?
A mortgage broker compares home loan options across banks and non-banks, then helps you apply, negotiate, and get approved. At Best Mortgages, we work for you — not the lender — to find the right structure and rate.
Does it cost to use a mortgage broker in NZ?
Nope — most of the time our service is 100% free. We’re paid by the lender after settlement. If a situation requires a fee (rare), we’ll tell you upfront.
Can you still help me if I’ve been declined by a bank?
Yes. We work with flexible non-bank lenders that understand self-employed income, low deposit buyers, or complex situations. We often get approvals where banks say no.
What suburbs in Tauranga do you service?
All of them. We work with clients in Papamoa, Mount Maunganui, Bethlehem, Pyes Pa, Welcome Bay and anywhere in the Bay of Plenty — in person or online.
How fast can I get pre-approved?
If your documents are ready, we can often get pre-approval within 3–5 business days — sometimes faster with the right lender.
Talk to Someone Who Actually Listens.
Real answers. No pressure. 100% free expert guidance to get you sorted.
Talk to Best Mortgages
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.
