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Mortgage Mantra

For all the banks in one place

Securing the lowest interest rate for your home loan can save you $1,000s over the course of your term. However, a low interest rate is not the only way to save big. Did you know the word ‘mortgage’ is actually a combination of two French words: the word ‘Mortwhich’ means ‘death’, and the word ‘gagewhich’ means ‘pledge’. So in effect, a mortgage is a “death-pledge”. Don’t let your home loan be your biggest nightmare.

Banks & other lenders will generally structure a home loan for a maximum of 25 to 30 years. This allows them to maximize the interest income they will receive from you. Keep in mind this also allows you to borrow the maximum given your financial situation and borrowing requirements. At Mortgage Mantra, we can guide down a different path..

Reducing the mortgage term and the amount of interest you pay over the life of your mortgage, is quite a straightforward process. By applying a few basic strategies, one can pay off their home loan in less than the mandated time.

The latest mortgage interest rates

Check out the latest interest rates figures in one convenient place with our helpful mortgage interest rates tracking tool. At Mortgage Mantra, we work with all the banks and lenders to negotiate a competitive interest rate which often better than the official rates provided below. Just as importantly, depending on your circumstances we can offer creative lending solutions to achieve your home buying goals even in financial circumstances that banks would not typically lend under.

Why Mortgage Mantra

Some mortgage brokerage services claim extensive experience in the industry at a brand level. At Mortgage Mantra, we are an owner operated boutique service with over a decade of real experience. You can be confident knowing you are getting the best service from a mortgage broker who stands by their name.

Our Mantra

We offer expert guidance in lending, drawing on 15 years of knowledge and experience to serve you.


We operate independently of the lender, the real estate agent, the accountant, the solicitor & other professionals.

Lifetime Journey

Securing you the best home loan terms is only the beginning, which is why our services extend for the lifetime of the loan.

The winds of change are in the air

We are constantly monitoring the financial, legislative and overall economic picture to ensure we are providing the best possible advice to our clients. Sign up to our mailing list so you can be just as informed as we are - without having to do the leg work.

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Our testimonials

What kiwis are saying about us

Our journey with our clients lasts beyond the life of their home loan. That’s why we ask them to keep us posted on how we are doing along the way.
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