Your mortgage and property finance partners

Why Colab?

With a strong background in home lending, construction finance, and property development, Colab brings the insight and know-how to guide you through even the most complex lending scenarios. We work with all major banks and non-bank lenders, ensuring you get the best solution for your unique goals.

From first-home buyers to seasoned developers, we’re here to simplify the process, support your decisions, and collaborate on turning your plans into reality.

A chat with Colab won’t cost you a thing - just smart advice, tailored to you. Get in touch today.

Our services

With decades of experience in home lending, new builds, property development and construction finance, we’re here to support you at every stage of your property journey.

Collaborating with all the main banks and over 20 non-banks to find you the best deal.

And plenty more!

We help kiwis in all stages of life

  • We go beyond the mortgage, and guide you through the entire process from the beginning. From helping you understand your deposit options, working out how much you can borrow, navigating the buying process and eventually getting you the right home loan to suit you.

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  • Upgrading? Downgrading? Side stepping? Buying and selling can be more complex than buying your first home. We’ll work together to help you decide whether to buy or sell first, sort the mortgage, and make sure your lending fits in with your future plans.

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  • Having the right strategy is the key to any successful investment, and that includes getting the lending right. Don’t put all your lending in one basket, or assume things will work out on their own. We’ll help you keep on top of it and make sure your lending fits the bill.

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  • We arrange bespoke lending solutions for new and experienced developers, builders and investors. We have access to all the banks, non-bank lenders and a range of private lenders to secure the best financing solution for your project. 

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  • It’s not always easy for business owners to secure the right finance. With years of experience working with SME’s and self-employed business owners, and relationships with more than 25 different lenders, we will find the best solution for your needs. 

  • Our mortgage brokers can source customised lending solutions for older borrowers who don’t fit traditional long term mortgage criteria. Whether you’re looking to downsize, access equity, take out a reverse mortgage or get advice on how to structure a loan or gift to support your loved ones, we have a solution for you.

  • Buying property and securing a mortgage from overseas can be complex. With our expertise in lender credit policies and exchange rate impacts, we ensure you achieve the best solution and maximise your borrowing capacity.

Our customers say it best

  • Sam Ludbrook has been an invaluable partner in our development projects. His deep understanding of construction lending and commitment to delivering tailored solutions made a significant difference in helping our purchasers secure finance for their house and land packages. I can’t recommend Sam highly enough for anyone looking for a knowledgeable and dependable mortgage broker

    - Callum M

  • We've consistently relied on Sam Ludbrook for mortgage advice for both our home and our investment properties. Sam's expertise has been instrumental in simplifying the often complex world of mortgage financing for us. Every time we chat with Sam, we feel more confident about where we're heading financially; his advice is always spot-on and tailored just for us

    - Charles & Cecilia

  • Sam was amazing to work with, very efficient, professional and detailed with expert knowledge and guidance. Sam was committed to getting us the right deal for our financial situation, negotiating with the banks as needed and most importantly keeping us informed throughout with proactive communication. I would highly recommend Sam and Colab Mortgages.

    - Ray

  • I can’t recommend Sam highly enough! He was absolutely amazing throughout the entire process of securing my loan for a new build. From start to finish, Sam’s experience and knowledge really stood out. He explained everything clearly, kept me informed at every stage, and made what could have been a stressful experience feel smooth and manageable.

    - Victoria

  • Sam has been a great source of advice over the years, he's helped me get properties for myself and my clients with good rates for house and land packages which can be difficult to fund. He’s always responsive, professional, and has a deep understanding of mortgages and finance. Highly recommend for anyone needing expert guidance

    - Paul

Let’s chat.

Ph: 021 648 310

Email: info@colab.kiwi

Got a busy diary? Book us in for when suits you, and we’ll give you a call then.