Now’s the time to make the most of falling interest rates

So your mortgage rate is coming up for renewal soon. Why talk to a mortgage broker about it?

In a falling interest rate environment it can be tempting to pick a lower rate for quick savings. But it pays to look at the bigger picture, and what’s going to save you more money in the long run.

Refixing your mortgage is an opportunity to review it all and take a bit of control, so you want to get it right.

We have decades of experience reviewing mortgages and helping customers make smart decisions that save them a ton of interest over the life of the loan, sometimes by switching to another bank, splitting the loan into separate terms or setting up a new mortgage structure and payment plan.

As mortgage advisers, we have negotiating power with the banks too, so can often get a better interest rate than what’s advertised.

Black and white photo of Dan Bell, mortgage adviser at Colab

Introducing your mortgage sidekicks

Introducing your mortgage sidekicks

Dan Bell

Co-founder/Mortgage adviser

With over 20 years of experience in the banking and finance world, you’re working with someone who can seriously walk the talk. Dan’s passionate about helping kiwis make mortgage decisions that work with their life plans, and saving big time on interest along the way.

Black and white photo of Sam Ludbrook, mortgage adviser at Colab

Sam Ludbrook

Co-founder/Mortgage adviser

Sam has spent the last 25 years in the banking and finance industry across New Zealand and London at the big banks, non-banks, and one of New Zealand’s largest mortgage brokers. He’s got a ton of his own personal property experience too, so it’s fair to say he’s seen it all.

We’re not just another mortgage broker making empty promises about fast-tracking your mortgage

Get professional, honest advice grounded in real-world financial experience.

  • Seasoned pros at your service

    Our small team has decades of experience in the banking and finance industry between us. Plus we’ve personally tackled every type of property project you can think of from buying, and selling to renovating to subdividing to developing. So whatever your plans, we can help you along the way.

  • To us, it's personal

    One of the benefits of a small team is that when you talk to us, you’re talking to the expert that’s going to walk you through every step of the process, not a call centre. We’ll get to know you and your plans, and guide you through each step with care.

  • We can offer you true choice

    Unlike a lot of mortgage brokers, we’re accredited with all the main banks and the smaller ones too. This means we can find the best deal in the market to suit you and your lifestyle. Saves you spending time shopping around too.

Our customers say it best

  • Could not recommend Dan Bell enough. His knowledge of the housing and mortgage market enabled us to make quick, informed decisions to secure our new home. We had a range of rates and providers to choose from and we're confident Dan got us the best deal in the market at the time. 100% recommend for anyone needing mortgage advice.

    - Tina C

  • 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

Let’s collaborate.

After some advice about your mortgage? Whether your fixed rate is coming up for renewal or you just want to bounce ideas around, use the form to send us a message or get in touch directly by email or phone.

info@colab.kiwi