Why This Matters
Finding the right mortgage in Tauranga isn’t about picking the first rate you see — it’s about strategy, structure, and someone in your corner. At Best Mortgages, we help home buyers, investors, and homeowners across the Bay of Plenty navigate lenders, rates, KiwiSaver, and everything in between. We don’t work for a bank — we work for you.
What We Do For You
Loan Negotiation
We compare offers from multiple lenders and negotiate the best terms — so you don’t have to chase banks.
Application Support
We help you complete all paperwork, gather documents, and deal with lender requirements from start to finish.
Rate & Structure Comparison
We find the loan structure that fits your goals — not just the lowest rate.
KiwiSaver & Deposit Help
We’ll guide you through using KiwiSaver or applying for First Home Grants in the smartest way possible.
Specialist Lending
Self-employed? Low deposit? Credit hiccups? We find flexible options where banks say no.
Ongoing Support
You get real advice, regular updates, and personal support — even after you’re approved.
Local Client Story
Matt and Sarah, a young couple in Papamoa, were struggling to get a straight answer from their bank. They had a 10% deposit and were worried they’d miss out. We assessed their KiwiSaver eligibility, found a low-deposit-friendly lender, and had them pre-approved in under 5 days. They’re now settled into their new home — and still refer us to friends in Pyes Pa and Greerton.
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.
Your Questions, Answered
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.
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.
