Christchurch & Canterbury
Mortgage broker in Christchurch
One broker, 20+ banks and lenders, and no fee to you on home and investment loans. Office in the central city.
A Christchurch broker who works for you, not a bank
Your own bank can only tell you what your own bank will do. What it will not tell you is whether another lender would advance more, price it sharper, or structure it in a way that actually suits how you earn and spend. That is the gap a mortgage broker fills, and on home and investment lending it costs you nothing to find out, because the lender pays us and you do not.
We are based at 3/24 Dublin Street in the central city and we work with clients right across Christchurch, Canterbury and the rest of New Zealand. Come in and sit down with us over a coffee, or run the whole thing by phone and email — plenty of our clients never come in at all.
Christchurch has its own lending quirks
Buying here is not quite like buying anywhere else in the country, and a lender's questions reflect that. Repair history and land classification still matter on anything that went through 2010 and 2011. Homes built between the mid eighties and the early two thousands attract a closer look for monolithic cladding and weathertightness. Auctions are unconditional on the fall of the hammer, so a pre-approval is not paperwork for later, it is the thing that lets you bid at all. And a large share of what sells across Selwyn and Waimakariri is a build contract rather than a finished house, which is different lending again.
Alex Toohey is a Top 25 New Zealand Mortgage Adviser and Journey Mortgages holds a 5.0 rating from 60 Google reviews. Whether you are six months from buying or bidding on Saturday, a 15 minute conversation will tell you exactly where you stand.
- Office
- 3/24 Dublin Street, Christchurch Central City
- Lenders compared
- More than 20 banks and non-bank lenders
- Cost to you
- No client fees on home and investment loans
- Also covering
- Selwyn, Waimakariri, Mid and South Canterbury
Broker or bank
What actually changes if you use a broker
| Going direct to your bank | Using a broker | |
|---|---|---|
| Lenders considered | One | More than 20 |
| Credit policy | Whatever that bank's happens to be | Matched to the lender most likely to say yes |
| Rate and cash contribution | What you're offered | Negotiated on your behalf |
| If you're declined | That's the answer | The same file goes to a lender it fits |
| Who does the paperwork | You | We do, through to settlement |
| Cost to you | Free | Free on home and investment loans |
We're paid a commission by the lender once your loan settles. It doesn't affect your interest rate or any other term of your loan. Full detail is in our disclosure statement.
Common questions
Broker, adviser, and what it costs
Is a mortgage broker the same as a mortgage adviser?
Yes. “Mortgage broker” is the everyday term and “mortgage adviser” is the regulated one. Since the financial advice regime changed in 2021, anyone giving regulated advice on home loans in New Zealand has to be a Financial Advice Provider or work under one, and the formal title is Financial Adviser. Most people still search for a broker. It is the same job.
What does a mortgage broker cost in Christchurch?
For home and investment lending, nothing. The lender pays us a commission when your loan settles, and it does not change your interest rate or any other term. Fees can apply on commercial and development lending, and we set ours out clearly before you commit to anything.
Should I use a broker or go direct to my bank?
Talk to your bank by all means — it is useful to know what they will do. The limitation is that it is one answer, from one credit policy. A broker puts the same situation in front of more than twenty lenders and finds out whether any of them will lend more, price it better, or structure it in a way that suits you. Given the advice costs you nothing on home lending, there is not much reason to skip the comparison.
Do you only work with Christchurch clients?
No. Our office is in the central city and we see plenty of clients in person, but we work with people right across New Zealand. A good share of our clients live in one city and buy in another, and the whole process runs by phone and email without any difference to the advice or the outcome.
No cost · No obligation
Free 15 min chat with a Christchurch broker
Tell us what you're after below. Journey Mortgages will be in touch within 24 business hours.
- A straight answer on what you can borrow
- 20+ banks and lenders compared for you
- No fees to you on home and investment loans
- A reply within 24 business hours
★★★★★ 60 five-star Google reviews · 20+ lenders compared · Top 25 NZ Mortgage Adviser