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Why Laura for your Paihia Mortgage

In order to ensure that her Paihia clients receive the most advantageous mortgage terms and values, Laura has spent years cultivating reliable relationships with a wide range of lenders and financial institutions.

By tailoring her service to each individual client, Laura finds the best lender to meet their unique needs. She is committed to collaborating with you to help you achieve your financial objectives and put you in the best position possible for the future.

Simplify Your Path to Home Sweet Home

Laura can assist you in finding your ideal property in Paihia or in escaping overwhelming debt through the marvels of debt consolidation.

Access professional mortgage guidance with Laura, and in addition to reduced interest rates, watch as your loan repayment terms get shortened. Contact Laura if you are a first-time borrower or a homeowner in need of fresh mortgage insights.

Homeownership Happiness is in the Horizon

Highly esteemed by reputable financial institutions and lauded through positive word-of-mouth within the community, a true expert mortgage broker comes with a glowing endorsement in Paihia.

As a trusted link between aspiring homeowners and lenders, their reputation is built on delivering personalised service and navigating the intricate landscape of mortgage options. Allow us to facilitate a connection between you and the right mortgage broker in Paihia, ensuring you receive the dedicated attention you rightfully deserve.

Let Laura find the lender that works best for you

Your Paihia Mortgage Broker is One Click Away!

Opening Doors to Your Future Home


Buying your first home is exciting. But also daunting. Don't be put off from your dream, let Laura guide you.


Whether it is the end of a fixed rate deal or simply a change in circumstances it makes sense to look at your options.

Debt Consolidation

Combine your debt to pay it down faster. Giving you the financial freedom you deserve to achieve your goals.

New Build Finance

Building a new home? Secure new build finances so you only draw down the money when necessary saving you $$$.

Investment Purchase

Increasing your property portfolio? Secure the best rates for your investment property with Mortgage Broker Paihia.

Moving & Bridging

Whether you need to buy before selling or simply bridge your finances. A bridging loan could be the right solution.


Combine your debt to pay it down faster. Giving you the financial freedom you deserve to achieve your goals.


Whether you need to buy before selling or simply bridge your finances. A bridging loan could be the right solution.

Why go for ‘Mortgage Broker Paihia’?

Get great mortgage advice and insights from Laura Cates.

Laura is an expert in the field of loans and will do her best to secure the finest deal for you.

With her extensive industry connections, Laura Cates of Mortgage Lab can put you in touch with a wide variety of reliable New Zealand lenders.

It is simple and stress-free to complete and submit your application online. Alternatively, you can meet in person, via Zoom meeting, telephone, or over the phone.

Whatever your situation, Laura has access to over 26 lenders, turning the odds in your favour.

Owning a home is a cherish dream. However, when it comes to loans many people fail to take into account what they can afford. That said, a home loan entails monthly payments on a long-term mortgage. You can count on Laura, she is here to assist you in making sure your debt is manageable and sustainable for the future.

Make sure the mortgage broker you choose puts your needs first. Definitely, not the banks!

Whole of marketing lending is within reach.

Explore more options, not just one bank

Open more doors to possible lenders through their network

Always multitasking - a mortgage expert can review existing insurances at the same time

Free mortgage insights to move you forward

There is no fees payable by you (The bank pays the fees!)

Remortgage now and save money in interest payments

Get the best rates by letting you mortgage expert find the perfect financing partner for you.

Take years off your mortgage payments, giving you more freedom to enjoy

Get out of debt faster and focus on what's important to you

Laura is all about getting the best deal possible

Best terms

Our relationships are our advantage. With our access to a number of reputable lenders, Laura is able to negotiate the best terms for you. Rates, repayment options and cash contributions should all be considered in your overall structure.

Laura follows up so you don’t have to

Waiting can be hard, so we do the leg work and will be in touch as soon as there are any updates for you.

Laura is resourceful and dedicated

Laura can help you navigate the often complex pre-approval and application process, helping you to achieve your dream of owning a home.

The tougher the loan, the bigger the challenge

Every loan application comes with its own unique challenges, but we’ll go out of our way to ensure that we have considered all options and packaged your application in such a way that we believe you have the highest likelihood of a successful outcome.

Matching you with the right home loan

Laura wants you to get to the finish line on terms that work for you. We’ll assess your financial situation and see to it you get the right home loan that’s reasonable and feasible under the right payment scheme.



Laura stands apart from traditional bank mortgage counselors- she's your ally. In the quest for a mortgage or other financing, having someone in your corner, prioritising your best interests, is crucial. Trust Laura to advocate for you and safeguard your mortgage journey.


We initiate a dialogue with you, extracting essential details before exploring the entire mortgage market. This allows us to approach numerous banks and, for unique situations, consider alternative lenders for you. While you concentrate on planning your next move, we handle the complexities, ensuring savings throughout the process. Your peace of mind and your budget are our priorities.


The commission is paid by the bank*. Your loan payments will not be affected in any way by this. We handle all the necessary paperwork and applications, which allows the bank personnel to save money. As a result, they pay us a commission. we can go to the "whole of market" for you, which means you could save thousands of dollars over the course of your mortgage.

*We will always be honest and tell you if we think you could be better off with another lender.

Go Right Ahead - Get Closer to your Home Goals

Are you a first-time homebuyer? Managing a current mortgage? Get a new loan with a more favourable interest rate. Obtain a mortgage in Paihia via Laura Cates, the premier mortgage broker in the area, and put your financial future in good hands.

Reach out to Laura. Let her know your home goals and situation.

See what's feasible without all the fluff and the legalese - watch Laura handle all mortgage matters.

Get that mortgage you need and move forward with your plans.

Help is at hand from Laura. With her help, you may apply for a loan and rest assured that everything will be in order. By working with her, she will be able to meet the bank's standards. Making it easy to acquire a home, borrow more money, or consolidate debt.



What is a Home Loan?

A Home Loan, provided by a bank, enables property purchase, with a commitment to repay over a specified time frame. In New Zealand, these loans typically extend over 20-30 years. Failure to meet payments may result in the bank selling or claiming the property. Bank financing is a common avenue for New Zealand homeowners to make their housing aspirations a reality.

Why should I consult with Mortgage Broker In Paihia, such as Laura Cates rather than dealing directly with a bank?

The personalised service we once anticipated from our banks is now from a bygone era. With a broker Like Laura advocating for you, that individual connection is restored, aligning with your best interests and actively working to secure optimal outcomes for you. As a mortgage broker, Laura assesses policies, rates, and banks' preferences for your unique circumstances. This ensures placement with lenders offering favourable outcomes and terms tailored to your needs.

How much will mortgage brokers cost me in fees?

In most cases, brokers do not demand payment. The banks will pay them a commission once your loan is paid off. This commission is not taken out of your wallet; rather, it is seen by the banks as part of the expense of customer onboarding and may be sourced from their marketing or staffing budget, among other places.

You will not be charged for the time and service provided by a broker. BUT, in a few cases, you might need a private or non-bank lender, and in those cases, the lender might end up charging you more for our service. No action will be taken without your complete understanding and authority to do so, and if your circumstance is likely to fall into this category, we will discuss it with you thoroughly in advance.

Home loans for first-time home owners here in Paihia

A first-time homebuyer may feel overwhelmed. Having someone there to guide you, provide guidance, and provide support can make a world of difference at times. Consider the route to homeownership an emotional journey as well as a financial adventure! Laura is happy to assist first-time homebuyers, and she would love the chance to do the same for you.

Investment purchase / top up existing borrowing

A skilled mortgage broker will discover the best option for your needs, whether you are looking to fund home improvements, topping up or buying an investment property. With Laura's assistance, you can navigate this process smoothly. The choice is yours – whether to save money while settling debts or make an investment property thrive. Don't hesitate to reach out - Laura is here to assist you without delay.

New build lending - Building your dream home here in the Paihia district?

The ongoing construction boom in Paihia presents an opportune time to acquire your dream home. However, potential hurdles like delays, supply shortages, and price fluctuations may impact your application. For a smoother financing process, consult an expert mortgage broker in Paihia like Laura who can keep you informed about these developments to ensure a more seamless experience.

What about fixed rate rollovers or re-mortgaging?

As the financial landscape evolves, your interest rates fluctuate. A shift in rates is an ideal opportunity to engage in a conversation with a mortgage broker. Is your current bank meeting your needs? What offerings do other lenders have? Moving your business could potentially yield a significant cash contribution. Laura can help you explore avenues to reduce expenses or adjust loan terms through simple tweaks, ensuring your financial strategy remains optimised.

Dream Homes Begin with Expert Mortgage Advice

Laura can help you secure the ideal mortgage, turn that dream into a real world address. Whether you're a first-time buyer or seeking a refinancing solution, unlock the door to your dream home in Paihia with the assurance of a knowledgeable mortgage broker every step of the way.

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Proudly supporting Laura Cates to support residents in Mangawhai. 1768Degrees Ltd earns a referral commission from this service

DISCLAIMER – The information, resources, calculators and any other information contained in and on this website are provided as general information and are not intended to be financial advice. Before making any financial decisions, you should consult a professional financial adviser. Nothing on this website is, or should be taken as, an offer, invitation or recommendation to buy, sell or retain a regulated financial product. 1768Degrees Ltd accepts no responsibility for any loss caused as a result of any person relying on any information or calculations in or from this website..

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