The best mortgage brokers in Invercargill help first-home buyers, investors, and families secure suitable home loans by comparing options from multiple lenders and providing tailored advice on refinancing, construction loans, and government schemes. These experts in Invercargill understand local market conditions and guide clients through pre-approvals and the full application process. Loan Market and Mortgage Lads stand out among the top firms for their client-focused approach and lender access.
1Loan Market – Dallas and Amelia
Loan Market is a national mortgage advisory firm with advisers Dallas Roberts and Amelia Essex serving clients in Invercargill and Southland. The team provides holistic advice that prioritises clients’ best interests, comparing loan products from over 30 banks and lenders to find suitable options for home purchases, investments, and refinancing. They support clients through the entire process from pre-approval to settlement and offer ongoing reviews.
Services
- Home loans for first-home buyers and next-home purchases
- Investment property and commercial loans
- Refinancing and loan restructuring
- Construction and renovation loans
- Personal loans and insurance advice
Highlights
- Access to over 30 banks and lenders
- Advisers professionally bound to provide advice in clients’ best interests
- Company registered as NZ Financial Services Group Limited (FSP286965)
- Support from pre-approval through to post-settlement reviews
- Family-owned business operating since 1994
Location & Contact
Name: Loan Market – Dallas and Amelia
Address: Invercargill
Phone: 027 218 8795
Website: loanmarket.co.nz
2Mortgage Lads – Ben Garrett
Mortgage Lads is a boutique mortgage advisory based in Invercargill, led by financial adviser Ben Garrett with support from Heather Roney. The small team focuses on tailoring home loans to each client’s unique financial situation, drawing on banking experience and strong lender relationships. They assist with first-home purchases, investment properties, refinancing, and complex lending scenarios while providing ongoing support.
Services
- First home buyer loans and pre-approvals
- Refinancing and refixing home loans
- Investment property financing
- Building, renovations, and construction loans
- Debt consolidation and personal finance
Highlights
- Ben Garrett named 2025 Rising Star Mortgage Adviser by New Zealand Adviser (NZA)
- Established in 2024 with values of Friendly, Understanding, No-nonsense, Dependable, Sound advice
- Ben holds a Bachelor of Commerce in Finance from University of Otago
- Accredited with major NZ banks and non-bank lenders
- Heather Roney awarded NZ Advisers Elite Woman 2022-2024 and top performing adviser
Location & Contact
Name: Mortgage Lads – Ben Garrett
Address: 142 Ward Street, Waverley, Invercargill 9810
Phone: 021 074 2432
Website: mortgagelads.co.nz
3Mortgage Supply – Mandy Jordan
Mortgage Supply is a mortgage brokerage with Mandy Jordan as the Southland business owner and adviser based in Invercargill. The team delivers personalised mortgage advice and support for a range of clients including first-home buyers, refinancers, and investors. They emphasise a holistic approach, local expertise, and coordination with insurance and KiwiSaver options.
Services
- First home buyer loans and grants assistance
- Refinancing, refixing, and restructuring
- Property investment and portfolio growth
- Construction, build, and development loans
- Commercial loans and insurance advice
Highlights
- Mandy Jordan is a registered financial adviser and Southland business owner since 2016
- Award-winning service with personalised care
- Local expertise combined with national lender network
- Team includes multiple mortgage advisers serving Southland
- Focus on integrity, transparency, and client empowerment
Location & Contact
Name: Mortgage Supply – Mandy Jordan
Address: Invercargill
Phone: 027 337 5552
Website: mortgagesupply.co.nz
4Mortgage Field
Mortgage Field is a local mortgage brokerage based in Invercargill, providing expert advice for clients in Southland and across New Zealand. The small team specialises in home loans, refinancing, and lending solutions, comparing major banks and non-bank lenders to match clients’ goals. They offer in-person support in Invercargill and online consultations.
Services
- Home loans for first-homes, next-homes, and investment properties
- Construction projects and renovations
- Loan restructuring, refinancing, and debt consolidation
- Interest rate comparisons and mortgage calculator tools
- Fixed-rate reviews
Highlights
- Based in Invercargill with local experience and personal connection
- Small focused team for personalised attention
- Service generally 100% free with commissions from lenders
- Broad access to major banks and flexible non-bank lenders
- Comprehensive support including paperwork and ongoing needs
Location & Contact
Name: Mortgage Field
Address: Level 3, 5 The Crescent, Invercargill 9810
Phone: 021 0818 0738
Website: mortgagefield.co.nz
5Brenda Nom
Brenda Nom is a local mortgage and insurance adviser operating from Invercargill since 2012. With prior banking experience at a local Invercargill bank, Brenda provides comprehensive advice on lending, insurance, and KiwiSaver, acting as a single trusted adviser for clients’ financial needs. The practice focuses on simplifying the process and achieving smart results for home buyers and those refinancing or updating cover.
Services
- Home lending and mortgage advice
- Refinancing and loan options
- Life, income, health, and other insurance
- KiwiSaver advice and NZ Funds options
- Comprehensive financial planning
Highlights
- Established in 2012 after a decade of banking experience
- Offers one financial adviser for lending, insurance, and KiwiSaver needs
- Focus on simplifying the journey and securing the best deals
- Local Invercargill base with community focus
- Comprehensive package of services under one roof
Location & Contact
Name: Brenda Nom
Address: 12 Don Street, Invercargill
Phone: 03 214 9292
Website: brendanom.co.nz
How to Choose the Right Mortgage Broker in Invercargill
- Confirm the adviser is a registered financial adviser under an FMA-licensed Financial Advice Provider with relevant experience in the Southland market.
- Check access to a wide panel of banks and non-bank lenders to increase options for rates and loan features.
- Ensure the broker can assist with first-home buyer schemes, KiwiSaver withdrawals, and government grants where applicable.
- Ask about post-settlement support such as annual loan reviews to adapt to changing circumstances.
- Consider local knowledge of Invercargill and Southland property conditions alongside national lender relationships.
Frequently Asked Questions About Invercargill Mortgage Brokers
How can a mortgage broker in Invercargill help me get a better home loan deal?
A mortgage broker compares products from multiple lenders, negotiates terms, and tailors recommendations to your financial situation and the local Southland market, often accessing options not available directly from banks.
Are mortgage broker services in Invercargill free?
In most cases, brokers are paid by the lender upon settlement, so there is no direct cost to the client. Always confirm the fee structure upfront with your chosen adviser.
Can mortgage brokers help with first-home buyer initiatives in New Zealand?
Yes, Invercargill mortgage brokers are familiar with schemes such as the First Home Grant and KiwiSaver first-home withdrawals. They guide clients on eligibility, documentation, and applications. For official details, visit hud.govt.nz.
What documents do I need to apply for a mortgage through a broker?
Typical requirements include identification, proof of income, expense records, and evidence of deposit. Your broker will provide a personalised checklist based on your circumstances and loan type.
Is it better to use a local mortgage broker in Invercargill versus an online-only service?
Local brokers offer in-person meetings and deep knowledge of Invercargill’s property market and lender preferences, while online services provide convenience. Many clients benefit from a combination of local insight and digital tools.
Do I need to be a registered financial adviser to give mortgage advice in New Zealand?
Yes, providing financial advice including mortgage broking requires registration as a financial adviser under a licensed Financial Advice Provider with the Financial Markets Authority. Check fma.govt.nz for more on licensing requirements.
What should I expect during the mortgage application process with a broker?
The process typically starts with a consultation to assess your goals and finances, followed by pre-approval, lender comparisons, application submission, and settlement support, with ongoing reviews after the loan is in place.