When I first bought a place in Tauranga, I thought the hardest part would be choosing a spot near the Mount or a quieter corner out in Welcome Bay. Turns out, the real stress starts at the moment I need to process mortgage insurance!

I was lucky enough to have a mate recommend a great option. They walked me through everything and helped me find a deal I wouldn’t have been able to secure myself. Not only was the process fast, but it was also personalized based on my needs.

So, let my team and me be your friendly mates this time. After weeks of research, we’ve managed to gather the city’s best mortgage insurance providers. They’ll save you from stress and save you from paying insane premiums, too.

1. Majesty Mortgage Brokers

Location: 3/63 Totara Street, Mount Maunganui 3116

Contact: +6421458538

Opening Hours: Monday – Thursday: 9:00 AM – 6:00 PM, Friday: 9:00 AM – 5:00 PM

Website

With access to over 30 lenders and more than 100 mortgage products, Majesty won our favour for accessibility and flexible options. 

What made them stand out is how well they guide clients into the buying process. At the very beginning, advisors work closely with clients, from pre-approval to settlement. 

In fact, several first-time home buyers told us that they felt supported all throughout.

The speed and availability are also major draws. Brokers are accessible 24/7, and if possible, are able to meet clients at their homes or workplaces. Plus, compared to larger firms, approvals here move faster (although that’s still subject to several factors).

Their website is pretty helpful too, with a mortgage insurance calculator that makes it easy to estimate repayments and compare loan structures. This gives clients a chance to look into potential options before committing to mortgage terms.

We also find it valuable that the firm offers insurance solutions, making it easy for clients to access multiple protection products in one go.

Unfortunately, customer service can sometimes feel like a miss, where clients may not receive a callback after initially inquiring. There were only a handful of these reports, though, and the general impression shows their service is solid.

Friendly, patient, and enthusiastic

“I had such a great experience working with Brooke as my mortgage broker! She was incredibly helpful and approachable from start to finish. I had lots of questions throughout the process, and she always answered them with patience, enthusiasm, and a friendly attitude. Nothing was ever a problem—she made what could’ve been a stressful time feel easy and straightforward. I really appreciated her support and would absolutely recommend her to anyone needing mortgage advice or help.”

– Renee Mabey | Google Review

A true game changer

“Jody at Majesty Mortgage & Insurance has been a true game-changer. She found the right coverage for me, explained everything clearly, and made the claim process incredibly easy and stress-free. Her genuine care, professionalism, and support made all the difference. Everyone needs someone like Jody on their side—knowledgeable, reliable, and always there when it matters most”

– John Bert May | Google Review

2. Best Mortgages

Contact: +6421449177

Opening Hours: Monday – Saturday: 9:00 AM – 7:00 PM

Website

With over 20 years of experience, Best Mortgages has been trusted by locals for its solid relationship with NZ’s leading lenders.

The thing we appreciate the most is how helpful and supportive they are in the entire process. For instance, the advisors carefully educate clients on different insurance products, explaining fixed vs floating options and navigating repayment strategies.

Another factor that makes them stand out from the rest is that they help clients with unique challenges. Instead of turning them away, the firm tailors solutions for those with bad credit or irregular income.

The availability and responsiveness are also worth talking about. Advisors are kindly proactive – often working outside standard office hours to get approvals across the line.

They keep clients in the loop too, with constant updates, reassuring clients, and helping secure deals under tight deadlines. At the same time, clients can easily reach out to them as well for inquiries or progress updates.

One drawback, however, is that it’s a smaller firm. Their resources are more limited compared to large nationwide mortgage companies. Their website, in particular, instead of serving as a mortgage tool, is slow and occasionally down.

Made the process stress-free

“Working with Eddie was great — he was proactive, helpful, and always one step ahead in the process. He’s a clear communicator and responds quickly to every question. Eddie is super knowledgeable and made the process stress-free. 100% recommend!”

– Laura Amundsen | Google Review

Efficient, informative, and friendly

“We were incredibly grateful to have Eddie as our mortgage broker. Efficient, informative and friendly. Went above and beyond his role to help us navigate unexpected challenges on our journey towards getting a mortgage and our first home. Always available to answer questions. Would recommend him and his service to all on the path to home ownership.”

– Elyse Amai | Google Review

3. Rapson Loans & Finance Ltd

Location: 7/30 Willow Street, Tauranga 3110

Contact: +6475771209

Opening Hours: Monday – Friday: 9:00 AM – 4:30 PM

Website

With a Class 2 Financial Advice Provider license regulated by the Financial Markets Authority, Rapson is authorized to give advice across mortgages, insurance, and investments.

This makes them a great one-stop shop option for many households and businesses in the Bay of Plenty.

The firm works with a wide range of product providers. On the lending side, they partner with all major banks, including ANZ, Kiwibank, and Westpac. They also work with reputable non-bank lenders such as Avanti Finance and Pepper Money.

This breadth of connection allows them to find solutions easily. In fact, this makes them able to accommodate complex cases like clients with non-standard income. The network also makes it possible to speed up the application process.

Another strength we noted was their transparency around costs and commissions. Fees were either charged hourly or a small percentage of the insurance amount – all of these details are confirmed before proceeding, making it a transparent process.

With such a broad range of services, there are instances wherein the approval process becomes slower than expected, especially during peak periods in Spring, when home-buying is more in demand than usual.

Gives great advice

“Jacques and his colleagues at Rapson are excellent to deal with. He gives very considered advice and their technology and systems make any application process extremely efficient. I would happily recommend Jacques to anyone looking for finance, investment or insurance advice.”

– Jan Gillett | Google Review

Easy and relaxed process

“Me and my wife had a complicated situation in terms of getting a loan. Brooke and Sam had made it so much easier and relaxed when it finally got done. Always checking up on us as well to make sure things have gone through and the whole process was smooth sailing. 100% recommend. Thanks again Brooke and Sam for making our home a reality :)”

– Louis Fleet | Google Review

4. WealthHealth

Location: 2 Nicole Place, Papamoa Beach, Tauranga 3118

Contact: +64800672537

Opening Hours: Monday – Friday: 8:30 AM – 6:00 PM, Saturday: 10:00 AM – 2:00 PM

Website

WealthHealth is a well-rounded financial advisor firm, combining mortgage brokering and insurance advice for long-term financial planning.

Their mortgage brokering services are supportive, allowing clients to go fully hands-off while working with them. WealthHealth handles everything, including paperwork, negotiations, and structure selection for home buyers.

Clients we interviewed also highlighted that they were able to secure approvals under tight deadlines. With advisors having strong communication skills too, moving along the process feels stress-free and effective.

The firm gives access to 16 lenders and banks, which is relatively fewer than larger firms. On the good side, they make the mortgage process feel personalized – plus, they can easily tailor the solutions to meet their needs.

For insurance, they can combine a mortgage with insurance and tailor the offering to meet retirement goals or save on home-buying costs. 

Follow-ups are easy, whether it’s via email, over the phone, or through their website. For first-time clients, this makes contact easy from the start. And once you’re working together, this takes the hassle out of ongoing updates.

Made everything easier to understand

“Craig was amazing to work with! He made everything easier to understand and quickly replied to any questions. With Craig’s expertise we were able to close on our investment property without any hiccups. I can’t recommend Craig enough!”

– Ana Toledo | Google Review

Calm, caring, and considerate

“Craig made this new process to me very manageable. He has a calm, caring and considerate manner which I thoroughly appreciated. His wealth of knowledge really made the process of a personal financial plan fast and reassuring. I would highly recommend Craig.”

– Megan Kingston – Bruke | Google Review

5. Evercare Mortgages & Insurance

Contact: +64211138799

Opening Hours: Monday – Friday: 9:00 AM – 5:30 PM

Website

We liked that Evercare’s mortgage service accommodates every type of borrower: first-time buyers, refinancers, investors, and even clients turned away by banks.

We appreciate how well they go above and beyond for their clients, often securing favorable terms for them. 

For example, not only were their advisors able to negotiate competitive rates, they also helped restructure existing mortgages to make repayments more manageable.

Their team deserves solid praise, too — advisors are approachable, easy to reach, and can even work outside work hours just to keep things moving. Responses often come the same day, so clients are always in the loop with happenings.

Unlike brokers who simply help secure a loan, Evercare positions itself as a long-term partner. We find this valuable as they can easily provide support for refinancing and loan restructuring if the client’s situation changes.

They also offer guidance on KiwiSaver, as well as insurance options for homes and individuals.

As a smaller firm, there may be instances of delays, especially since their network isn’t the biggest to begin with. But for those who want a personalized experience, this firm is fully equipped to provide what you’re looking for.

Awesome experience

“Have had an awesome experience with both Jack and Mitch – getting our mortgage across the line with multiple challenges and sorting life cover to suit our circumstances. 10/10 job lads.”

– James Balderston | Google Review

Made the process easier

“Have had an awesome experience with Jack helping sort our refinancing. Have been through several mortgage brokers before and its never been this simple.

Thanks heaps Jack! You’re stuck with us now 🤣 …”

– Rebecca | Google Review