Tailored Mortgage Advice
Home loan advice backed by strategy, delivered with heart
Whether you’re buying your very first home, refinancing your current mortgage, or expanding your property portfolio, I’m here to help you make smart, confident decisions.
Every client is different, which means every lending strategy should be too. I take the time to understand your goals, translate the bank lingo, and do all the behind-the-scenes chasing so you don’t have to. My role? To simplify the process, advocate for the best deal, and guide you every step of the way.
Here’s how I can offer tailored mortgage advice:
First Home Buyers
Buying your first home can feel like a giant leap — but you don’t have to do it alone. I’ll help you understand your options, access grants and KiwiSaver, and get a plan in place that makes sense for your lifestyle.
From your first chat through to settlement, I'll walk you through pre-approval, help you understand what you can borrow, and keep things moving so you're not left guessing what comes next.
Refinancing & Restructuring
If your mortgage hasn’t been reviewed in a while, you might be missing out on serious savings (or flexibility). Let’s take a fresh look and make sure your loan still fits your life.
Whether it's locking in a better rate, consolidating debt, or restructuring your loan to free up cash flow, I'll walk you through your options and handle the details with your bank so you don't have to.
Property Investment
Looking to grow your portfolio or use your equity to level up? I'll help you structure your lending for long-term success, without unnecessary stress.
From assessing your borrowing capacity to structuring lending across multiple properties, I'll help you make strategic decisions that keep your portfolio moving forward, without taking on more risk than you need to.
Building a Home
Building gives you the freedom to create exactly what you want — but the lending process can be a bit different. I'll guide you through the ins and outs of construction loans, progress payments, and how to get everything approved and underway, without the overwhelm.
From getting your finance approved before you break ground to keeping progress payments on track with your builder's timeline, I'll be with you at every stage, so you can focus on the build, not the paperwork.
Top-ups
Need extra funds for renovations, debt consolidation, or something big coming up? A mortgage top-up can be a smart way to access equity. I'll help you figure out what's possible and whether it's the right move for your situation.
I'll walk you through how much equity you can access, what it'll cost you long-term, and whether a top-up makes more sense than other options, so you can make the call with confidence.
Your money-smart, mortgage-savvy sidekick, Made Mortgages is based in Hamilton but helps Kiwis all over New Zealand buy, refinance and invest with confidence. Free service, no obligation.
Brooke McGougan - Mortgage Adviser
Phone: 027 469 9459
Email: brooke@mademortgages.co.nz
Hours: Monday - Sunday, Open 24 Hours