Wellington region
Mortgage brokers in Wellington
Our regional advisers work with clients across Wellington city, Lower Hutt, Upper Hutt, Porirua, the Kāpiti Coast and the Wairarapa, with our head office in Auckland behind every application. We compare lenders for first homes, investment property, refinancing, building and development, commercial property and business funding.
Borrowing in Wellington region: what to know
- Apartments and seismic ratings. Apartments and units in buildings with a low seismic rating, measured against the New Building Standard (NBS), can be harder to finance. Lenders check the rating, the body corporate's plans and any strengthening costs.
- Older homes, hills and slips. Many Wellington homes are older and on sloping sites. A building report, the LIM and any slip or retaining-wall history matter to lenders and insurers.
- Contract and fixed-term income. Lenders look at how stable your income is. Contract and fixed-term roles can still qualify, with the right lender and evidence.
- Meet the way that suits you. In person by appointment with a regional adviser, or by video and phone.
What we help with in Wellington
- First home buyers: the loan, guidance on the property and specialists when you need them
- Investment property loans and refinancing
- Building a home and property development finance
- Commercial property and business funding
- Debt restructuring and debt consolidation
Talk to us on 09 280 7555 or office@mutualtrust.co.nz, or book a discovery call so your adviser is ready for you.
Questions people in Wellington ask
Can I get a mortgage on a Wellington apartment with a low seismic rating?
Sometimes. It depends on the rating, the building's strengthening plans and the lender. Some lenders won't lend below their minimum rating, and others ask for a bigger deposit. An adviser can tell you which lenders will consider it.
Do you help first home buyers in Wellington?
Yes. We arrange first home loans across the region, including low-deposit options such as new builds and the Kāinga Ora First Home Loan, and help you check the property before you commit.
Can you help with property development in Wellington?
Yes. We arrange finance for townhouses, infill and multi-unit projects across the region, from feasibility through to residual stock.
How much does a mortgage broker cost?
Lenders pay us a commission when your loan settles. We may charge a fee in some cases, depending on your situation, and we always agree it with you up front. How we're paid
Can I meet an adviser in person in Wellington?
Yes, by appointment with one of our regional advisers, or by video and phone if that suits you better.