Total Mortgages

We are Total Mortgages.

Modern mortgage advisers making a difference in everyday people’s lives. How?

We explore a variety of options, find you the best deal and share our extensive product knowledge.  Our objective is to help you achieve your property goals by making informed decisions.

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The Total Difference

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We work for you
As mortgage advisers, we act in your best interest as your unbiased personal ‘bank manager.’ We save you time and money by avoiding trips to multiple banks. Let us compare over 20 banks and lenders to get you the best deal, and we’ll negotiate any special offers and discounted interest rates.
Let us be your unbiased mortgage experts. We'll compare 20+ banks and lenders to find the best deal and negotiate special offers and rates to save you money.
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Keep it simple
No jargon here – we’ll explain everything in layman’s terms! We keep it simple, and are here to guide you through your offers, assist with preparing for auctions, and make sure the wheels don’t fall off your property journey. We work for you, not the lenders, to ensure you get the result you want.
We'll explain everything and guide you through the process to get you the result you want. We work for you, not the lenders.
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Full online process
Time-poor, or not near our physical office? No problem. You don’t need to physically meet with us to work with the Total team. Our state-of-the-art software enables you to instantly complete an application from your device, no matter where in the world you are. Our universal application is accepted by all our lenders, which dramatically speeds up our processing time.
Our cutting-edge software allows you to complete your application from anywhere, ensuring speedy processing time.
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The Total Customers

The Total Customers

Steve
Steve
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Stacey
Stacey
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Marissa
Marissa
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Paul
Paul
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Taylor
Taylor
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Rhys
Rhys
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Chase
Chase
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Ngawai
Ngawai
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Home loan advice for all situations

First Home

Next Home

Refinance

Investment

Non-bank

For those fresh to the property market, we know you’ll have questions. Lucky for you, we’re ready and waiting to provide the answers, steer you through the process and get you safely into your first home with the best possible deal. From putting together your deposit (spoiler: you don’t always need 20%!) to securing the best interest rates or using guarantors, think of us as your personal first home guides.

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First Home

If you’re ready to trade up, move suburb or city or need to accommodate your growing family, our Total team can sort your mortgage approval quickly and efficiently. Let us remove the stress so you can start the serious business of house-hunting!

Learn More
Next Home

Take control of your mortgage and set yourself up for the long term by making the switch to another bank (or renegotiating with your current one). Refinancing could save you thousands in interest, allow extra cash when you need it, and means you can structure your mortgage in a financially-savvy way. Talk to us today to review your mortgage options, navigate any break fees and ensure the financial benefits outweigh the costs.

Learn More
Refinance

Property investment can be a great way to set yourself up for financial freedom, but growing a portfolio takes time and energy. Whether you’re looking to buy your first or tenth investment property, accessing the right advice and developing a sound investment strategy is critical. Our team keeps up-to-date with the latest policies affecting investors and can show you all your options to make it feasible.

Learn More
Investment

If you’re struggling to access funds from the banks due to income proof or credit issues, don’t give up on your home ownership goal. New Zealand’s non-bank sector is growing, so talk to us today about how a non-bank option may work for you at rates that will pleasantly surprise you.

Learn More
Non-bank

For those fresh to the property market, we know you’ll have questions. Lucky for you, we’re ready and waiting to provide the answers, steer you through the process and get you safely into your first home with the best possible deal. From putting together your deposit (spoiler: you don’t always need 20%!) to securing the best interest rates or using guarantors, think of us as your personal first home guides.

Learn more

If you’re ready to trade up, move suburb or city or need to accommodate your growing family, our Total team can sort your mortgage approval quickly and efficiently. Let us remove the stress so you can start the serious business of house-hunting!

Learn more

Take control of your mortgage and set yourself up for the long term by making the switch to another bank (or renegotiating with your current one). Refinancing could save you thousands in interest, allow extra cash when you need it, and means you can structure your mortgage in a financially-savvy way. Talk to us today to review your mortgage options, navigate any break fees and ensure the financial benefits outweigh the costs.

Learn more

Property investment can be a great way to set yourself up for financial freedom, but growing a portfolio takes time and energy. Whether you’re looking to buy your first or tenth investment property, accessing the right advice and developing a sound investment strategy is critical. Our team keeps up-to-date with the latest policies affecting investors and can show you all your options to make it feasible.

Learn more

If you’re struggling to access funds from the banks due to income proof or credit issues, don’t give up on your home ownership goal. New Zealand’s non-bank sector is growing, so talk to us today about how a non-bank option may work for you at rates that will pleasantly surprise you.

Learn more

Tools & calculators

Use our state-of-the-art NZ mortgage calculators to see how much you could borrow and what your repayments might be, and plan out your regular expenses and budget.

View All Tools

The Total Awards

Book a Call

Schedule a call with one of our experienced home finance experts and start your journey with the Total team.

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The Total Insights

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5
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Name
2 months ago

The Total Reviews

4.99
rating star
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(Total Reviews)
No items found.
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5
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Name
2 months ago

The Total Partners

unity
scf
heartland
bluestone
anz
pepper
westpac
sbs
tsb
coop bank
sovereign
asb
kiwibank
resimac
select
bnz
avanti
boc
basecorp
prospa
fmt
liberty
general
asap
asap
general
liberty
fmt
prospa
basecorp
boc
avanti
bnz
select
kiwibank
resimac
asb
sovereign
coop bank
tsb
westpac
sbs
pepper
anz
bluestone
heartland
scf
unity
unity
scf
heartland
bluestone
anz
pepper
westpac
sbs
tsb
coop bank
sovereign
asb
kiwibank
resimac
select
bnz
avanti
boc
basecorp
prospa
fmt
liberty
general
asap

Get Started

The Total Partners

unity
scf
heartland
bluestone
anz
pepper
westpac
sbs
tsb
coop bank
sovereign
asb
kiwibank
resimac
select
bnz
avanti
boc
basecorp
prospa
fmt
liberty
general
asap
asap
general
liberty
fmt
prospa
basecorp
boc
avanti
bnz
select
kiwibank
resimac
asb
sovereign
coop bank
tsb
westpac
sbs
pepper
anz
bluestone
heartland
scf
unity
unity
scf
heartland
bluestone
anz
pepper
westpac
sbs
tsb
coop bank
sovereign
asb
kiwibank
resimac
select
bnz
avanti
boc
basecorp
prospa
fmt
liberty
general
asap

The Total Reviews

4.99
rating star
rating star
rating star
rating star
rating star
(Total Reviews)
No items found.
This is some text inside of the review-card...
This is the same text, but this holds the full review
5
rating star
rating star
rating star
rating star
rating star
Name
2 months ago